Legal subjectivity:

Because the interest rate of housing provident fund loans is lower than that of commercial loans, most people who want to buy a house loan give priority to provident fund loans. 1. What factors are related to the provident fund loan limit? 1. Housing provident fund loan policy There is a limit on the maximum amount of provident fund loans. The amount of housing provident fund loans is different in different cities and regions. If an individual applies for a housing provident fund loan or a family applies for a housing provident fund loan, the amount that can be obtained is also different. There are also differences in the amount of provident fund loans that can be obtained when buying a first house and a second-hand house. Therefore, the loan amount must also be determined according to different regional policies and home purchase conditions. 2. Down payment ratio. Different regions have different down payment ratio requirements. Usually the down payment ratio for buying a first house is between 20 and 30, but for a second house, it is usually more than 30. ; And the down payment requirements can also directly affect the amount of the mortgage amount. 3. The amount of the house appraisal loan is related to the appraisal price of the house. Usually, you can only get about 70% of the appraisal price of the house; the amount you can get for second-hand houses is even lower. 4. House area. Depending on the area of ??the house, the proportion of down payment required is also different. Therefore, because it is affected by the area of ??the house and the down payment ratio, the loan amount that a provident fund loan applicant can obtain will also be affected. 5. Provident fund account balance. Generally, the provident fund loan limit is calculated by multiplying the provident fund account balance by a certain multiple. Therefore, there is a direct relationship between the provident fund account balance and the provident fund loan amount. 6. The payment base. Some cities stipulate that the total monthly mortgage principal and interest must be ≤ 50 of the payment base (calculated based on equal amounts of principal and interest). Therefore, the higher the deposit base, the higher the provident fund loan amount you can get. 7. Payment time: The amount of housing provident fund loans in some cities is calculated according to the loan amount = the borrower's (or couple's) provident fund payment balance x a certain multiple x the payment time coefficient. Therefore, the greater the deposit time coefficient, the higher the provident fund loan amount that an applicant for a provident fund loan can obtain. 2. What to do if the provident fund loan limit is insufficient 1. Apply for a combination loan Taking Beijing as an example, if you buy a house worth 2 million yuan, the maximum amount that the provident fund can apply for is 1.2 million yuan. After excluding the down payment of 600,000 yuan, there is still a difference of 200,000 yuan. , you can apply for a combination loan from a bank for the 200,000 yuan. It should be noted that not all banks accept combination loans, and combination loans involve multiple institutions such as provident fund centers and banks. The approval period is more than 3 months, so you are in a hurry to pay for the house. Home buyers should consider the issue of time. 2. Apply for a commercial loan and use the provident fund balance to offset the housing loan (1) Since the provident fund loan limit is not sufficient, why not give up the provident fund loan and apply for a commercial loan directly. For commercial loans, after the borrower submits the loan application, the loan can usually be disbursed in about 2 weeks. As long as the bank's relevant conditions are met, the desired loan amount can generally be obtained. (2) After successfully applying for a commercial loan, you can apply to withdraw the provident fund to repay the monthly payment of the commercial loan. However, in this case, the interest will be higher than a simple provident fund loan. If the loan period is longer, the home buyer will need to bear more financial burdens. Pressure, this needs to be noted.

3. Provident fund loan conditions (1) meet the conditions stipulated in the national and this city’s real estate control policies; (2) have full capacity for civil conduct; (3) have paid no less than the prescribed proportion of down payment funds; (4) currently have sufficient The amount of housing provident fund deposits reaches the specified period, and there are no unterminated housing provident fund withdrawal agreements (including but not limited to housing provident fund withdrawal and loan repayment agreements, housing provident fund withdrawal and payment rent agreements, and other housing consumption withdrawal agreements, etc.); (5) Have good reputation Credit record and willingness to repay; (6) Have a stable and legal source of economic income and the ability to repay the principal and interest of the loan, and the borrower's family has no outstanding housing provident fund debt or other debts that may affect the repayment of the provident fund loan; (7) Must be the property owner who purchases, constructs, renovates, or overhauls housing in this city and can provide relevant contracts or supporting documents for purchase, construction, renovation, or overhaul, identity certificates, down payment certificates, and other materials that meet regulations; the purpose of the loan is to purchase a house. , the house purchased must be a self-occupied house with ownership in this city; (8) be able to provide a guarantee method recognized by the Municipal Provident Fund Center; (9) meet other conditions stipulated by the Municipal Provident Fund Management Committee. The prescribed ratio and prescribed period of down payment funds in items (3) and (4) shall be formulated by the Municipal Provident Fund Management Committee and then announced and implemented. To sum up, the provident fund loan limit and the housing provident fund loan policy, down payment ratio, house appraisal price, house area, provident fund account balance, payment base, and payment time are legally objective:

"Housing" Article 6 of the Provident Fund Management Regulations states that the deposit and loan interest rates for housing provident funds shall be proposed by the People's Bank of China and shall be submitted to the State Council for approval after soliciting the opinions of the construction administrative department of the State Council. Article 26 of the "Housing Provident Fund Management Regulations" Employees who have paid housing provident funds may apply for housing provident fund loans from the Housing Provident Fund Management Center when purchasing, constructing, renovating, or overhauling their own homes. The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures. The risks of housing provident fund loans are borne by the housing provident fund management center.