Guangzhou provident fund loan policy is as follows: 1, increasing the maximum amount of individual housing loans. If employees buy their own houses, the maximum amount of individual housing loans will be adjusted from 500,000 yuan to 600,000 yuan; 2. Deposited employees' families use housing provident fund loans to purchase the first set of ordinary self-occupied housing, and the minimum down payment ratio is 20%; If the first suite has been transferred and cancelled without other housing, the first suite loan policy will be implemented; 3. The paid-in employees' families have 1 set of houses 1 set (including1housing cancellation records) or have no houses but have two housing cancellation records (each set 120 square meters or less), and the unused individual housing loans or corresponding housing loans have been settled. In order to improve the living conditions, re-apply for housing provident fund loans to buy ordinary self-occupied housing, and the minimum down payment ratio is 30. If the corresponding housing loan is not settled, the minimum down payment ratio is 40%, and the loan interest rate will rise by10% according to the benchmark interest rate; 4, apply for personal housing provident fund loans to buy finely decorated housing, and implement the ordinary self-occupied housing policy; 5. Single paid employees (including unmarried or divorced unmarried) purchase the first set of ordinary self-occupied housing to apply for housing provident fund loans. When the monthly repayment amount calculated according to the monthly salary base of housing provident fund deposit is higher than 50% of family income, the monthly repayment amount can be calculated according to the average monthly salary of Hunan employees in Guangzhou Railway Company in the previous year; 6. No housing provident fund loans will be granted to employees' families with 2 or more existing houses or 3 or more housing cancellation records. The specific conditions of housing provident fund loans are as follows: 1. When employees apply for housing provident fund loans, they must normally deposit housing provident fund 12 months or more (inclusive); 2. Employees who purchase, build, renovate or overhaul the same set of ordinary self-occupied housing and have applied for the withdrawal of housing provident fund shall not be granted housing provident fund personal housing loans; 3, employees to buy, build, rebuild, overhaul ordinary private housing to apply for the use of housing provident fund loans, must be in the date of signing the purchase contract or the date of approval of the construction permit within 0 years; 4. Stop issuing housing provident fund loans to paid workers who buy third and above houses; 5. The borrower's wage income is calculated and determined according to the deposit base of employee housing provident fund; 6, employee housing provident fund loan period, shall not exceed the statutory retirement age of the borrower to apply for loans. Legal basis: Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center. Twenty-seventh applicants for housing provident fund loans shall provide guarantees. Twenty-eighth housing provident fund management center in the premise of ensuring the housing provident fund withdrawal and loans, approved by the housing provident fund management committee, housing provident fund can be used to buy government bonds. The housing provident fund management center shall not provide guarantees to others. Article 29 The value-added income of housing provident fund shall be deposited in the special account for value-added income of housing provident fund opened by the housing provident fund management center in the entrusted bank, which shall be used for establishing the risk reserve for housing provident fund loans, the management expenses of the housing provident fund management center and the supplementary funds for urban low-rent housing construction.

2. What are the loan conditions of Guangzhou housing provident fund?

To apply for provident fund loans, the following basic conditions shall be met:

1. has full capacity for civil conduct;

2 provident fund deposit certificate (or housing provident fund card);

3. Identity cards, household registration books and proof of marital status of the applicant and spouse;

4. Employees who have paid the housing provident fund normally for more than one year (inclusive) must pay the housing provident fund normally for more than six months (inclusive), and the monthly deposit of the housing provident fund reaches the minimum monthly deposit announced by the CMC;

5 employees can apply for housing loans within five years (inclusive) from the date of purchase, construction, renovation and overhaul of owner-occupied housing;

6. If employees apply for loans for the first time and the second time, they need to pay a down payment of more than 20% (inclusive) of the purchase price;

7 have a stable economic income, good personal credit and the ability to repay the principal and interest of the loan.

Third, Guangzhou provident fund loan policy in different places

Guangzhou provident fund loan policy in different places:

1. Guangzhou registered employees who have paid housing provident fund in other places buy self-occupied housing in Guangzhou;

2. Personal housing loans that have not used the housing provident fund, or personal housing loans that have been settled for the first time;

3. Meet other application conditions of Guangzhou housing provident fund personal housing loan and relevant regulations of Guangzhou on house purchase.

Housing accumulation fund is a long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.

Workers who apply for housing provident fund loans shall meet the following conditions at the same time:

1, mainland residents have China people's household registration and valid identity cards; Compatriots from Taiwan, Hong Kong and Macao hold mainland travel permits or residence permits for Taiwan, Hong Kong and Macao residents; Foreigners with permanent residency in China hold passports and permanent residence identity cards for foreigners;

2. When applying for a loan, the registered employees in this city have paid the housing provident fund in full for more than 1 year (inclusive), and the non-registered employees have paid the housing provident fund in full for more than 2 years (inclusive); The deposit time in different places and the deposit time of retired soldiers can be combined with the deposit time in this city;

3. There is a purchase contract confirmed by the real estate registration department where the house is located, and the mortgage and guarantee procedures can be handled;

4. Pay the down payment for house purchase as required;

5. Have full capacity for civil conduct, good credit, stable occupation and income, and the ability to repay the loan principal and interest;

6, housing provident fund deposit priority for repayment of housing provident fund loans.

Legal basis: Article 5 of the Measures for the Implementation of Individual Housing Loan of Guangzhou Housing Provident Fund.

The loan object refers to the employees who deposit the housing provident fund in the provident fund center of this city or other cities in China according to the regulations.

4. How to calculate the amount of Guangzhou provident fund?

A, 1, loan amount calculated according to repayment ability.

The calculation formula is: [(the total monthly salary of the borrower and the monthly contribution of the housing provident fund of the borrower's unit) times the repayment ability coefficient-the total monthly repayment amount of the borrower's existing loan] times the loan period (month).

2. Calculate the loan amount according to the deposit amount of individual housing provident fund.

The calculation formula is: the account balance is multiplied by the amount paid in August and then multiplied by the number of months of retirement age.

3. according to the number used by the spouse

(The total monthly salary of husband and wife, the monthly deposit of housing provident fund in the work unit of husband and wife) multiplied by the repayment ability coefficient-the total monthly repayment amount of existing loans of husband and wife multiplied by the loan period (month). Among them, the repayment ability coefficient is 40% of the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution).

4. The loan amount calculated according to the house price

The calculation formula is: loan amount = house price multiplied by loan ratio.

5. The loan amount is calculated according to the maximum loan amount.

If I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. I use my housing provident fund to apply for housing provident fund loans, and if I pay the housing provident fund normally when applying for loans, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.

Second, the down payment ratio

The Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China have made it clear that it will be implemented from September 1, 2065438. For households with 1 house that have settled the corresponding housing loan, if they apply for housing provident fund entrusted loans to buy houses again to improve their living conditions, the minimum down payment ratio will be reduced from 30% to 20%. Beijing, Shanghai, Guangzhou and Shenzhen can independently decide the minimum down payment ratio for applying for a housing provident fund entrusted loan to buy a second house on the basis of national unified policies and local conditions.

Third, the advantages of loans.

Housing provident fund loans are not only widely used to buy new houses, but also used to buy second-hand houses. Because the annual interest rate of provident fund loans is only 3.25%, which is lower than the current commercial loan interest rate of 4.9% 1.65 percentage points, a general concept has been formed in the minds of most buyers: using provident fund loans saves money than using commercial loans. The advantages of provident fund loans are not limited to its preferential interest rate, but also have many advantages such as high loan amount, long service life, flexible and convenient repayment.