If the husband and wife have paid the normal fees for 6 months, the loanable amount of the borrower and the spouse shall be calculated respectively, and the final loanable amount of the family shall be equal to the loanable amount of the borrower+the loanable amount of the spouse and shall not exceed 800,000 yuan; If the spouse has not paid for 6 months, but the deposit is normal or not, the loanable amount will not be calculated, and the final loanable amount of the family will not exceed 500,000; If the spouse fails to pay the fee for 6 months but pays the fee normally, the deposit base shall be included in the calculation of the ratio of supply exceeding demand of family income. Paid employees from foreign countries, Hong Kong, Macao and Taiwan cannot participate in the calculation of loanable amount in the name of spouse. If they pay fees normally, their deposit base can be included in the calculation of the supply-income ratio of family income.
Employee personal provident fund loan amount Y= personal provident fund account balance b (deposit time coefficient T+ income adjustment coefficient I) liquidity adjustment coefficient l.
Liquidity adjustment coefficient: it is a loan amount adjustment parameter set according to the different situations of the provident fund's ability to meet the capital needs of employees. Official website, our center, announces the personal loan interest rate of housing provident fund to the public on a monthly basis (the month after the end of each month). When the liquidity of funds changes and the proportion of individual loans remains in the same range for three consecutive months, the Center will announce it to the public in time, and implement the corresponding liquidity adjustment coefficient from the month following the announcement date. The liquidity adjustment coefficient applicable to the borrower's loan amount shall be subject to the corresponding liquidity adjustment coefficient when submitting the loan application for registration to the business system of the municipal housing provident fund management center.
Legal basis: Regulations on the Management of Housing Provident Fund
Article 9 The Housing Provident Fund Management Committee shall perform the following duties in the management of housing provident fund: (1) Formulate and adjust specific measures for the management of housing provident fund according to relevant laws, regulations and policies, and supervise the implementation; (two) according to the provisions of article eighteenth of this Ordinance, formulate the specific deposit ratio of housing provident fund; (three) to determine the maximum loan amount of housing provident fund; (four) approval of housing provident fund collection and use plan; (five) to consider the housing provident fund value-added income distribution plan; (six) to examine and approve the report on the implementation of the plan for the collection and use of housing provident fund.
Article 10 The cities where the people's governments of municipalities directly under the central government, provinces and autonomous regions are located and other cities divided into districts (prefectures and leagues) shall set up housing provident fund management centers in accordance with the principle of simplification and efficiency, and be responsible for the management and operation of housing provident fund. County (city) does not set up housing provident fund management center. The housing provident fund management center specified in the preceding paragraph may set up branches in counties (cities) where conditions permit. The housing provident fund management center and its branches shall implement unified rules and regulations and conduct unified accounting. Housing provident fund management center is an independent institution directly under the Municipal People's Government, which is not for profit.