The calculation of provident fund loan amount should be determined according to four conditions: the balance of housing provident fund account, repayment ability, house price ratio and the maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower.

1, the borrower (including spouse) should have the ability to repay the principal and interest of the loan, and the average monthly income should not be lower than the minimum living standard for urban and rural residents in this city.

2. When applying for provident fund loans, the monthly repayment amount/monthly income shall not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities).

3. The purchase of the first ordinary self-occupied house shall not exceed 70% of the purchased house price (if the construction area of Xing Tao is less than 90 square meters (inclusive), it shall not exceed 80% of the purchased house price).

Workers' families (including employees, spouses and minor children) who purchase the first set of housing (including commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sale of affordable housing or private property housing) with a construction area of less than 90 square meters (including 90 square meters) shall pay a down payment of not less than 20% of the purchased housing price, and the loan amount shall not be higher than 80% of the purchased housing price; If the construction area of the purchased house exceeds 90 square meters, a down payment of not less than 30% of the purchased house price shall be paid, and the loan amount shall not be higher than 70% of the purchased house price.

If an employee buys a second house with a family loan, the down payment shall not be less than 50% of the house price, and the loan amount shall not be higher than 50% of the house price.

Workers' family loans to buy third and above houses will suspend the issuance of personal housing provident fund loans.

2. How much can I borrow from Shenzhen Provident Fund deposit base of 2200?

The loanable base of 2200 provident fund: 300,000.

The criteria for provident fund loans are as follows: 1 and 1900. The base of provident fund loans can be 260,000 yuan. The provident fund base of 2.2000 can borrow 270,000 yuan. 3. The base of the provident fund 2 100 can be borrowed by 280,000 yuan. 4. The base of the provident fund of 2,200 can be loaned by 300,000 yuan. 5. The base of the provident fund is 2,300, and 3 1 0,000 can be loaned.

The maximum amount of Shenzhen provident fund loan is 900,000 RMB. The loan amount of Shenzhen provident fund is 12 times of the balance of the provident fund account, and it is not higher than the difference between the total purchase price and the down payment. The total monthly repayment of loan principal and interest (calculated by equal principal and interest) shall not exceed 50% of the applicant's housing provident fund deposit base.

3. Is the monthly provident fund of 8,000 yuan high?

The deposit base of housing provident fund is not only the total wages of employees in the above years 12. If the individual was 8,000 yuan per month in the previous year, then the payment will be made.

The lower limit of the provident fund deposit base is unqualified;

The upper limit of provident fund deposit base is usually not higher than 3 times the average monthly salary of employees.

For example, the minimum deposit base in Shenzhen is 2200, and the upper limit of deposit base is 34860 yuan; The minimum deposit base of Chongqing provident fund is 1800 yuan, and the upper limit of deposit base is 24,595 yuan;

Deposit ratio of housing provident fund: the deposit ratio is not less than 5% and not more than 12%.

legal ground

"Housing is applicable to collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and social organizations that deposit housing provident fund in People's Republic of China (PRC) (hereinafter referred to as single-room savings).

The monthly deposit amount of employee housing provident fund is the average monthly salary of employees in the previous year multiplied by the unit.

"Regulations on the Management of Housing Provident Fund" Article 24 Employees may withdraw the balance of the housing provident fund account under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses; (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.

4. How much can I borrow by paying the provident fund 2 100 every month?

How much can I borrow from the base of provident fund 2280?

300 thousand

The provident fund base of 1900 can borrow 260,000 yuan.

The base of the provident fund 2000 can borrow 270 thousand.

The base of provident fund 2 100 can be borrowed 280,000 yuan.

The provident fund base of 2200 can borrow 300 thousand.