If the account balance in the current month is X, the total monthly payment of units and individuals is A: the current available amount is (X-5.5A)* 15.
The amount of husband and wife can be superimposed, and the maximum application can be 654.38+00,000 (family as a unit, male and female friends cannot be superimposed).
City provident fund is lower than the provident fund 6.5438+0.5 million yuan, determined by 6.5438+0.5 million yuan. The provincial provident fund is less than 200 thousand yuan, which is determined by 200 thousand yuan. The maximum personal limit is 500,000 yuan.
Second, the housing factor:
Hangzhou Public Provident Fund (hereinafter referred to as "Municipal Public Fund"):
If you buy a house for more than 20 years or two sets, regardless of the size, the down payment will start at 40%.
If it exceeds 140 (inclusive) square meters or the room age is 5-20 (inclusive) years, the down payment will start from 30%.
/kloc-less than 0/40 square meter, and the house age is less than 5 years (inclusive), the down payment starts from 20%.
Zhejiang Provincial Provident Fund (hereinafter referred to as "provincial public"):
Within 5 years (inclusive), the down payment starts from 20%.
The house age is 5-20 years (inclusive), and the down payment is 30%.
The house age is more than 20 years or two sets, and the down payment is 40%.
Third, the buyer's factors:
If the borrower has two or more houses under his family name, or has used the provident fund loan twice, or the provident fund loan has not been settled, he cannot apply for the provident fund loan again.
Can not exceed the retirement age, the retirement age of men is 65 years old, and the retirement age of women is 60 years old.
Four. Loan term: the loan term+house age shall not exceed 50 years at the longest, and the loan term shall be calculated according to the age of the main borrower.