The following is for reference!
To apply for provident fund loans, the applicant must deposit the provident fund for 12 months continuously, and the deposit status of the provident fund is normal when applying for provident fund loans (loans overdue for more than 1 month will not be accepted).
The maximum loan amount of commercial housing shall not exceed 70% of the total house price, and the maximum loan amount of second-hand housing shall not exceed 60% of the deed tax unit price.
The formula for calculating the personal loan amount of provident fund: (the amount paid in the current month × the total number of months from the current retirement age+the current balance of the provident fund account) × 2;
Legal retirement age: 55 for women; Male 60 years old. The longest loan period is 25 years.
* Note (This formula is applicable to the direct calculation of users who purchase first-hand properties. For second-hand real estate, due to the consideration of the evaluation price, transaction price and deed tax price of the house, the specific loan amount can only be answered after the provident fund center reviews the information).