Requirements:
1. The monthly repayment amount calculated according to the loan amount (principal and interest calculated by the matching principal and interest repayment method) shall not exceed 50% of the applicant's provident fund deposit base or the sum of the applicant and the calculated loanable amount and the applicant's provident fund deposit base.
2. Not higher than the difference between the total purchase price and the down payment. The down payment ratio shall meet the relevant requirements of national, provincial and municipal real estate regulation and control. If the purchased house is a commercial house (second-hand house), the total purchase price is the lower of the purchase contract price and the appraisal price made by the real estate appraisal agency recognized by the provident fund center.
3, not higher than the maximum amount of a single housing provident fund loan. The maximum amount of individual application is 500,000 yuan, and the maximum amount of joint application is 900,000 yuan.
Extended data:
Precautions:
1. If the applicant and the applicant who calculated the loanable amount did not withdraw the provident fund for more than three consecutive years before applying for the provident fund loan, the loanable amount may be increased by 10%, but the conditions specified in the preceding paragraph shall be met.
2. The loanable amount of the commercial-to-public loan shall not be higher than the balance of the original commercial housing mortgage loan.
3. The loan amount of an enterprise to the public shall not be higher than the loan amount calculated according to the loanable ratio. The loan amount is based on the contract price of the house purchased by the applicant as the total house price, and the loan loanable ratio is determined according to the down payment ratio stipulated by the state when the provident fund center accepts the applicant's loan application.
4. If the applicant mortgages other commercial housing (excluding the applicant's public housing loan) or the commercial housing of a third party according to regulations, the loan amount shall not be higher than 70% of the assessed value of the collateral. If the applicant pledges the certificate of rights in accordance with these provisions, the loanable amount shall not be higher than 90% of the value of the certificate of rights. The provident fund management committee may, according to the real estate market and risk control in this Municipality, decide to evaluate the value of the housing that the applicant has transferred to public loans.
Baidu encyclopedia-provident fund loan amount
Baidu Encyclopedia-Interim Measures of Shenzhen Municipality on Housing Provident Fund Management