1. The monthly repayment amount (the principal and interest calculated by the equal principal and interest repayment method) shall not exceed 50% of the deposit base of the applicant's housing provident fund. * * * and * * together with the applicant to calculate the amount of provident fund loans, the deposit base of housing provident fund is the sum of the deposit base of the applicant and * * * and the applicant.
2. The loan amount is not higher than the difference between the total purchase price and the down payment. If the purchased house is a stock commercial house (second-hand house), the applicant shall entrust a real estate appraisal institution recognized by the Provident Fund Center to conduct a value appraisal, and take the low value of the contract price and the appraisal price as the total purchase price. The assessment fee shall be borne by the applicant. If the employee purchases the first suite, the down payment ratio of the house area below 90 square meters shall not be less than 20% of the total purchase price; If the construction area is more than 90 square meters, the down payment ratio shall not be less than 30% of the total purchase price. If you buy a second house, the down payment ratio shall not be less than 60% of the total purchase price. For the purchase of affordable housing, the down payment ratio shall not be less than 30% of the total purchase price.
3. The loan amount is not higher than the maximum amount of a single housing provident fund loan. Individual employees, the maximum amount of a single housing provident fund loan is 500,000. If the applicant and * * * jointly apply and the applicant and * * * participate in the calculation of the quota, the maximum amount of a single housing provident fund loan is 900,000.
4. If the applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the provident fund loan, the loanable amount of the housing provident fund loan calculated according to the multiple of the balance of the housing provident fund account may be increased by 10%, but other conditions specified in the preceding paragraph shall be met.