1. If I use my housing provident fund to apply for a housing provident fund loan, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan;
2. I normally borrow money and pay the provident fund. I use my housing provident fund to apply for housing provident fund loans, and if I pay the housing provident fund normally when applying for loans, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the supplementary housing provident fund is normally paid by himself or his spouse when applying for a loan, the maximum loan amount is 700,000 yuan;
3. Adjustment of the loan ceiling. Following the Beijing Provident Fund's increase in the loan amount of housing provident fund, yesterday, the National Provident Fund Center also announced that the maximum loan amount would be increased to 1 0/0 from 65438+1to purchase policy housing or the first self-occupied housing with an area of less than 90 square meters in Xing Tao.
Policy on the use of provident fund second suite
1, continue to provide housing financial services to meet the improved housing needs of residents' families. Encourage banking financial institutions to continue to issue commercial personal housing loans and housing provident fund entrusted loans to support households to buy ordinary self-occupied housing;
2. For households who own 1 apartment and have not repaid the corresponding housing loans, in order to improve their living conditions, they should apply for commercial personal housing loans again to purchase ordinary self-occupied housing, and the minimum down payment ratio should be adjusted to not less than 40%. The specific down payment ratio and interest rate level shall be reasonably determined by banking financial institutions according to the borrower's credit status and repayment ability.
3. If the first suite uses the provident fund loan and the loan has not been paid off, you can't buy the second suite with the provident fund loan. If you have not used the provident fund loan to buy a house before or used the provident fund loan to buy a house but the loan has been paid off, you can continue to use the provident fund loan to buy a house;
4. If you use the provident fund loan to buy the first suite, then sell the first suite and pay off the loan to buy another one, you can buy the first suite as a provident fund loan.
How much does the housing provident fund unit and individual bear?
1, housing provident fund is generally deducted from wages before tax. The deduction ratio of provident fund can be freely selected between 5%- 12% according to employees and units. However, industrial injury insurance and maternity insurance are paid by the unit, and individuals do not pay;
2. The minimum deposit ratio of employee housing provident fund and unit housing provident fund is 5%, and the maximum deposit ratio is 12%. Conditional cities can appropriately increase the deposit ratio, which is generally 8% to 12%.
Legal basis: Article 13 of the Regulations on the Administration of Housing Provident Fund.
The housing provident fund management center shall set up a housing provident fund account in the entrusted bank.
The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account.
The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.