The relevant provisions of provident fund personal loans are as follows:

1, and the loan ceiling is raised to 1.2 million;

2. Purchase the first set of self-occupied housing, and adjust the maximum amount of personal loan from 300,000 yuan to 500,000 yuan;

3. The maximum amount of family loans is adjusted from 600,000 yuan to 6,543,800 yuan; ;

4. If the supplementary provident fund is paid, the maximum amount of personal loans will be increased by 6,543,800 yuan on the basis of 500,000 yuan, and the maximum amount of family loans will be increased by 200,000 yuan on the basis of 6,543,800 yuan;

5. The purchase of the improved second set of ordinary commodity housing shall be implemented with reference to the policy of purchasing the first set of housing. Purchase an improved second set of non-ordinary commodity housing, and the maximum loan amount of provident fund will be adjusted accordingly.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 26

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.

How much can the provident fund borrow at most?

Provident fund loans can reach up to 80%. Details are as follows: 1. When purchasing a house for the first time, pay a down payment of not less than 20% of the purchased house price and not more than 80% of the house price; If the area exceeds 90 square meters, a down payment of not less than 30% of the house price and not more than 70% of the house price shall be paid; 2. When buying a house with a second loan, pay a down payment of not less than 50% of the purchased house price, and the amount shall not be higher than 50% of the house price.

How much can the provident fund borrow at most?

First, how many tens of thousands can the provident fund borrow at most?

1. The maximum amount of provident fund loan depends on the situation:

(1) If I use my housing provident fund to apply for a housing provident fund loan, the maximum loan amount is 400,000 yuan;

(2) If the spouse housing provident fund is used to apply for housing provident fund loans at the same time, the maximum loan amount is 600,000 yuan, and the spouse housing provident fund is used to apply for housing provident fund loans;

(3) If I normally pay the supplementary housing provident fund when applying for a loan, the maximum loan amount is 500,000 yuan, and at the same time, I use my spouse's housing provident fund to apply for a housing provident fund loan;

(4) When applying for a loan, if I or my spouse pay the supplementary housing provident fund normally, the maximum loan amount is 700,000 yuan.

2. Legal basis: Article 25 of the Regulations on the Management of Housing Provident Fund.

If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

2. What are the conditions for withdrawing housing provident fund?

The requirements for withdrawing housing provident fund are as follows:

1, take one-time payment to purchase owner-occupied housing, which can be withdrawn once a year;

2. If a loan or installment payment is adopted, it can be withdrawn once every quarter;

3. If the rent exceeds the specified proportion of family wage income, it will be withdrawn in March and April every year.

How much can the provident fund loan borrow?

The loan amount of provident fund depends on the actual situation of the loan applicant, and the upper limit of the loan amount is the lowest of the four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan limit.

First, the provident fund loan amount

1. Repayment capacity: loan amount = [(total monthly salary of the borrower, monthly contribution of the housing accumulation fund of the borrower's unit) × repayment capacity coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month);

2. House price: loan amount = house price × loan ratio;

3. Maximum loan amount: (1) The maximum amount of my housing provident fund application for housing provident fund loan is 400,000 yuan; If I normally pay the supplementary housing provident fund at the time of application, the loan ceiling is 500,000 yuan (2) At the same time, the maximum loan ceiling for using the spouse provident fund is 600,000 yuan; If I or my spouse pays the supplementary housing provident fund normally at the time of application, the loan ceiling is 700,000 yuan.

4. The balance of the provident fund is the balance of the provident fund of the loan applicant.

Second, the provident fund loan period

1, the loan period of first-hand housing provident fund cannot exceed 30 years;

2. The term of the second-hand housing provident fund loan cannot exceed 15 years;

3. The loan period of housing accumulation fund for personal construction or decoration for self-occupation cannot exceed 15 years.