To apply for housing provident fund loans, the maximum loan amount is 400,000 yuan.

At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan.

If the housing provident fund is used to apply for housing provident fund loans, and the supplementary housing provident fund is normally paid when applying for loans, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, and the housing provident fund is normally paid back when applying for loans, the maximum loan amount is 700,000 yuan.

Regulations on the administration of housing provident fund

Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(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.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

How much can the provident fund loan borrow?

The maximum loanable amount of general provident fund loans is 6,543,800 yuan, of which the loanable amount of single deposit employees does not exceed 500,000 yuan.

The calculation method of the loanable amount of provident fund is as follows:

1, calculated by account balance. The first method is to calculate according to the account balance of housing provident fund. The loan amount cannot exceed 65,438+00 times of the account balance. If the loan is for both husband and wife, it cannot exceed 10 times of the total balance of two provident fund accounts. Less than 20,000, calculated as 20,000.

2. according to the maximum. If the individual has cut off the provident fund, the loan from the provident fund cannot exceed 400,000 yuan, and the loan from the husband and wife provident fund cannot exceed 600,000 yuan. If the provident fund is not cut off, the maximum loan is 500,000, and the maximum loan for both husband and wife is not more than 700,000;

3. Calculated according to repayment ability. The amount of provident fund loan is (monthly deposit, legal retirement age, total number of months, balance of provident fund account).

The loan amount of individual housing provident fund depends on the borrower's repayment ability and comprehensive qualification, as well as the balance of housing provident fund account, housing appraisal value, local market conditions and other factors.

legal ground

Regulations on the administration of housing provident fund

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling 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.

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How much provident fund do I have to pay to borrow to buy a house?

You need to pay the provident fund continuously for 6 months.

There is no clear requirement for the balance of the provident fund account when buying a house with provident fund loans, mainly because of the continuous deposit time of the provident fund. Generally, buyers are required to pay the housing provident fund for six months or one year continuously and on time, and the provident fund account must be in a normal state of payment at the time of application, and they can apply for provident fund loans only if they meet the conditions.

What is the minimum amount of provident fund loans?

What is the minimum amount of provident fund loans? Provident fund loans generally depend on the payment period of participating in the provident fund. The longer the time, the more the loan amount should be. Generally, at least 200,000 yuan can be loaned.

The above contents are for reference only, thank you.

How much can I borrow from the housing provident fund?

Legal analysis: 1. If the employee meets the loan application conditions, the maximum loan amount is 500,000 yuan. If employees and their spouses meet the loan application conditions, the maximum loan limit for each household is 654.38+0 million.

2. The specific loanable amount is comprehensively determined according to the deposit of employee housing provident fund and the loanable amount standard of housing provident fund loans, the status and price of purchased housing, individual repayment ability and credit status.

3 workers housing provident fund loan amount is insufficient, you can apply for housing provident fund portfolio loans. The term, guarantee method and repayment method of commercial loans in portfolio loans should be consistent with provident fund loans.

From 4.201110/0, the loanable amount of employee housing provident fund is calculated according to the monthly average balance of employee housing provident fund account when applying for housing provident fund loan, and the calculation result is rounded to thousands. If the calculation result is higher than 500,000 yuan, it is determined to be 500,000 yuan, which is lower than150,000 yuan. When a loan applicant applies for a provident fund loan, the number of housing units shall be calculated based on the family with the largest number of housing units under the name of the applicant and the family to which the applicant belongs. Finally, the number of existing housing units is determined by the family with the largest number of housing units of the loan applicant's family (family members include both husband and wife and minor children).

Legal basis: Detailed Rules for the Implementation of the Measures for the Administration of Personal Housing Provident Fund Loans.

Article 3 Borrowers refer to employees who meet the conditions of provident fund loans as stipulated in the Measures. There shall be no more than two borrowers for the same provident fund loan. If there are two borrowers, the borrowers should be spouses, or if the immediate family members of the payer and the buyer are not the same person within two generations, they should be spouses or immediate family members within two generations.

When borrowers handle portfolio loans, the borrowers of provident fund loans and commercial loans may not be the same person, but they must be spouses or immediate family members within two generations.

Article 5 Houses refer to: (1) commercial houses; (2) Housing stock; (3) housing reform; (4) Houses without house ownership; (5) self-built housing.

Commercial housing refers to houses developed, built and sold by real estate development enterprises. Stock house refers to the house that has been purchased and obtained the ownership certificate. Housing reform housing is public housing, which refers to the built public housing purchased by urban workers at the standard price or above according to the relevant urban housing system reform policies of the state and local people's governments at or above the county level. According to the purchase, the ownership of the house belongs to the individual employee at the standard price, and the employee owns part of the house, which generally belongs to the individual employee after 5 years. A house without house ownership refers to a house located on military or collective land and unable to apply for a state-owned property right certificate. Self-built houses refer to houses invested and built by individuals.

What is the minimum loan for housing provident fund?

Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, it is recommended that you consult the local provident fund management center for specific conditions.

The above contents are for your reference. Please refer to the actual business regulations.