1. The provident fund loan limit is stipulated by grade. The maximum loan amount for grade A is 800,000 yuan, for grade AA, the maximum number is 920,000 yuan, and for grade AAA, the maximum number is 1.04 million yuan. The provident fund loan period is up to 30 years, whichever is older than the couple. The age plus the loan period cannot exceed 70, and it is also related to the age of the building. The age of the building plus the loan period cannot exceed 47 for a brick-concrete structure, and 47 for a steel-concrete structure. The age of the building plus the loan period cannot exceed 57. 2. The specific loan limit is: The amount of provident fund loan needs to be comprehensively considered in combination with the payment base, payment period and payment amount of the personal provident fund. First, it must not exceed the individual's repayment ability, that is: the sum of the borrower's monthly deposit amount/the borrower's provident fund contribution ratio + the borrower's spouse's monthly provident fund deposit ratio/the borrower's spouse's provident fund contribution ratio × 50% × 12 (monthly ) 4. Employee purchase Third, the borrower (including spouse) must have the ability to have an average monthly income no less than the minimum living allowance for urban and rural residents in this city after repaying the principal and interest of the loan. 5. The loan limit of provident fund loans is 12 times the balance of the housing provident fund account of the applicant and the same applicant, and must meet the following requirements at the same time: (1) The area of ??the first house is less than 90 square meters (inclusive) The down payment proportion shall not be less than 20% of the total purchase price; if the first house has an area of ??more than 90 square meters, the down payment proportion shall not be less than 30% of the total purchase price, and the down payment proportion for the second house shall not be less than the purchase price. 60% of the total price. Provident fund loans cannot be applied for purchasing a third home. (2) The monthly loan repayment amount (principal and interest calculated according to the equal principal and interest repayment method) shall not exceed 50% of the applicant’s housing provident fund payment base. If there is an applicant like *** and the same applicant *** pays the housing provident fund in this city, the housing provident fund payment base is the sum of the payment bases of the applicant and the same applicant *** (parents can be *** same applicant). (3) If the applicant has not withdrawn the housing provident fund for more than three consecutive years before applying for a provident fund loan, the loan limit of the provident fund loan calculated based on the multiple of the housing provident fund account balance can be increased by 10%, but it should meet other requirements stipulated in the preceding paragraph (based on the center subject to approval). 6. Housing provident fund loan period: The maximum housing provident fund loan period is 30 years. In principle, the sum of the borrower's age and the loan application period shall not exceed 5 years after the legal retirement age, that is, male employees can borrow until the age of 65, and female employees can borrow until the age of 60. Expanded information Repayment methods: 1. Repay the loan on schedule (1) The repayment methods of housing provident fund personal home purchase loans are: the monthly equal principal and interest repayment method and the monthly equal principal repayment method. (2) The monthly equal principal and interest repayment method refers to a repayment method in which the total amount of loan principal and interest repaid by the borrower each month remains unchanged, but the loan principal in the monthly repayment amount increases month by month, and the loan interest decreases month by month. . (3) The equal monthly principal repayment method refers to a repayment method in which the borrower's monthly principal repayment is fixed and the loan interest decreases month by month. (4) It should be noted that for provident fund personal loans with a term of less than one year, the principal and interest should be repaid in one lump sum upon maturity; for provident fund personal loans with a term of more than one year, the principal and interest of the loan should be repaid monthly. 2. Early loan repayment (1) Just apply to the bank one month in advance. The specific regulations or contracts signed by banks in different places may be slightly different. For example, some banks need to pay a certain amount of liquidated damages for early repayment of the loan, while others do not. (2) You can carefully look at the provident fund loan contract you signed with the bank to see if there is any agreement on early repayment of the loan. Is there a clause that requires payment of liquidated damages for early repayment? If not, you do not need to repay the loan in advance. You may need to sign a separate loan repayment contract with the bank. You can choose to shorten the loan period or reduce the monthly payment. Generally, shortening the loan period will save more.