Legal subjectivity:

How much money can be borrowed from the housing provident fund. The loan amount calculated according to the loan repayment ability: (the total monthly salary of the borrower and the monthly payment and deposit amount of the housing provident fund of the borrower's unit) × Loan repayment ability coefficient - total monthly repayment of the borrower's existing loan × loan term (months). If the spouse's quota is used, (total monthly salary of both spouses + monthly housing provident fund deposit amount of the employer where both spouses work) × loan repayment ability coefficient - total monthly repayment of existing loans of both spouses × loan period (months). Among them, the loan repayment ability coefficient is 40, and the total monthly salary = the monthly provident fund payment ÷ (the unit’s contribution ratio and the individual’s contribution ratio); the law is objective:

In response to the question raised by some home buyers about whether "the provident fund account" If the provident fund balance is zero, then the provident fund loan limit is zero." The housing provident fund loan limit in Beijing is not calculated based on the balance on the provident fund account of the lender. At present, the maximum amount of a single housing provident fund loan is 400,000 yuan; for borrowers with a credit rating of AAA in the "Personal Credit Assessment Report", the loan amount can be increased by 30 to 520,000 yuan; for those with AA grade, the loan amount can be increased by 15 , can reach 460,000 yuan. The city’s formula for calculating the maximum loan amount of housing provident fund for home buyers is: the monthly income of the borrower’s family (monthly income = monthly payment amount of employees’ personal housing provident fund ÷ employee housing provident fund payment ratio), after deducting at least 400 yuan of living expenses per month The remaining amount is divided by the average monthly loan repayment amount per 10,000 yuan for the loan application period, which is the maximum loan amount. At the same time, the specific loan amount and term must meet the requirements of the maximum single loan amount, the maximum loan amount and the minimum down payment. For example, if you apply for a housing provident fund loan, you will pay a monthly housing provident fund of 200 yuan, with a payment ratio of 8, and your spouse will pay a housing provident fund of 100 yuan per month, with a payment ratio of 8. The loan application period is 10 years, and you will purchase a house. For affordable housing, if the total price of the house is 400,000 yuan, then you can borrow up to 330,000 yuan. In addition, the current provident fund loan contract stipulates that early repayment is: Generally speaking, early repayment is actually a unilateral breach of contract, so the defaulting party should bear the liability for breach of contract according to the provisions of the contract, such as paying liquidated damages. However, there is currently no such provision in the provident fund loan contract. Instead, it is agreed to repay in advance. The specific stipulation is: after you repay the principal and interest for the current month, you can repay part or all of the loan in advance. The principal of part or all of the loan that is repaid in advance will no longer accrue interest after repayment. If you do not repay the loan in full in advance, the partial loan amount repaid in advance must be an integral multiple of 10,000 yuan, with a minimum of 10,000 yuan. For the remaining loan amount, you can choose to recalculate the monthly repayment amount while the loan term remains unchanged, or appropriately shorten the loan term while keeping the monthly repayment amount unchanged. It is understood that when purchasing a self-occupied house, the provident fund can be withdrawn, but the cumulative withdrawal amount cannot be greater than the total purchase price. If you buy a house with a loan, you can also withdraw your provident fund quarterly or annually after purchasing the house. But one thing to remind you is: when you withdraw your provident fund, you must keep at least one month's deposit in your provident fund account.