If the employee meets the loan application conditions, the maximum loan amount is 500,000 yuan. Employees and their spouses meet the loan conditions, and the maximum loan limit for each household is 800,000 yuan. (1) Employees have continuously paid housing provident fund 1 year, 20 18, 1, and the monthly deposit amount since1is 65,438 yuan (20 18 Hangzhou minimum monthly wage standard/kloc-0). (2) The specific loanable amount is comprehensively determined according to factors such as employee's monthly deposit, house price, down payment ratio and personal credit status. According to the average wage standard of employees in urban units in Hangzhou published by Hangzhou Municipal Bureau of Statistics (564 17 yuan), the monthly deposit standard corresponding to the upper limit of the loanable amount is: 1. If the employee's monthly deposit is lower than the average wage standard of 470 yuan (564 17 yuan/125%), the maximum loanable amount is 65,438. 2. If the monthly payment of employees is higher than that of 470 yuan (inclusive) but lower than 1 128 yuan, the maximum loanable amount is 300,000 yuan (twice the average wage standard of employees in urban units in Hangzhou); 3. If the employee's monthly deposit is higher than 1 128 yuan (inclusive), the maximum loanable amount is 500,000 yuan;

Legal basis:

Article 26 of the Regulations of People's Republic of China (PRC) Municipality on the Administration of Housing Provident Fund can apply for housing provident fund loans to the housing provident fund management center for the purchase, construction, renovation and overhaul of their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Derivative problem:

How to withdraw the provident fund? Under any of the following circumstances, employees may withdraw employee housing provident fund and withdraw the storage balance in the provident fund account: (1) purchasing, building, renovating, renting or overhauling their own houses; Flowchart of provident fund withdrawal (2) Retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income; (seven) to terminate the labor relationship with the unit and move the account out of the city; (eight) the termination of labor relations between employees and units that are not registered in this Municipality, and they are not employed in this Municipality and leave this Municipality; (nine) employees who enjoy the urban minimum living guarantee; (ten) some employees lose their ability to work, causing serious difficulties in life; (eleven) the employee himself, his spouse, parents and children suffer from special diseases stipulated by the Labor and Social Security Department of Fujian Province (see the "departmental documents" column of the website of the Provident Fund Center for details), which causes serious difficulties in family life.