According to the Detailed Rules, the maximum loan amount for two or more employees who meet the loan conditions is 700,000 yuan, and the maximum loan amount for a single employee is 400,000 yuan. If the first housing provident fund loan policy is implemented, the down payment ratio shall not be less than 30%; If the second-home provident fund loan policy is implemented, the down payment ratio shall not be less than 40%. The loan term is calculated on an annual basis, with a minimum of 1 year and a maximum of 30 years. The maturity date of the loan shall not exceed 5 years after the statutory retirement time of the borrower, that is, men are under 65 years old and women are under 60 years old (female cadres and female professional technicians with senior titles are under 65 years old).
"National Business Daily" reporter noted that the "Detailed Rules" identified the second suite as "both recognizing the house and the loan". Specifically, in order to meet one of the following three situations, that is, to buy a second house, the second housing provident fund loan policy is implemented: there is a house but no outstanding housing loan; No housing, but there are outstanding housing loans; There is a house, there is an outstanding housing loan, and it is the same house.
At the same time, the "Rules" also stipulates that the monthly repayment amount of the housing loan of the loan applicant shall not be higher than 50% of the monthly income.
These Rules shall come into force on March 20 15 19, and shall be valid for five years.