In addition, each region will also set a ceiling on the total amount of housing provident fund loans. In most areas, the amount of personal provident fund loans is 400,000. Couples applying for provident fund loans have a quota of 600,000. Some areas have adjusted the upper limit of the amount. For example, Beijing can reach a maximum of 1.2 million.
If the first-hand housing provident fund loan is used to purchase the first house, the maximum loan amount is 600,000 yuan, and the following conditions are met:
1. The loan amount shall not exceed 70% of the total price of the purchased house (it may be relaxed to 80% if the building area is less than 90 square meters);
2. If the borrower pays the housing provident fund unilaterally and normally, the loan amount generally does not exceed 50% of the total price of the house purchased, but if the monthly deposit amount of the provident fund reaches 1 or above 400 yuan (the specific amount shall be subject to the data published by the management center), it may be relaxed to not exceed the ratio specified in the preceding paragraph "1" on the basis of considering its repayment ability. If you use the first-hand housing provident fund loan to buy two houses, the maximum loan amount is 500,000 yuan, and the maximum loan amount does not exceed 40% of the total housing price.
The maximum amount of the second-hand housing provident fund loan is 400,000 yuan, and the following conditions are met:
1. The highest proportion of the first housing loan of the second-hand housing provident fund is divided into three grades according to the construction completion years. If the completion period of the house is within 10 year (including 10 year), the maximum loan ratio shall not exceed 70% of the total house price; If the house completion period is within 1 1-20 years (including 20 years), the maximum loan ratio shall not exceed 60% of the total house price; If the completion period of the house is within 2 1-30 years (including 30 years), the maximum loan ratio shall not exceed 50% of the total house price. Among them, the determination of the total housing price is based on the housing evaluation price, the actual transaction price and the lowest price in the taxable value;
2. If the borrower unilaterally pays the housing provident fund, the loan amount generally does not exceed 50% of the total price of the purchased house; However, if the monthly contribution of the provident fund reaches 1.400 yuan or above (the specific amount is subject to the data published by the management center), it may be relaxed to not exceed the proportion specified in the preceding paragraph "1" on the basis of considering its repayment ability;
3. The maximum proportion of second-hand housing provident fund and second-hand housing loans shall not exceed 40% of the total housing price.
Legal basis:
Regulations on the administration of housing provident fund
Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to 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.