Legal analysis of how much housing provident fund loans can be made: 1. If the employee himself meets the loan application conditions, the maximum loan amount is 500,000 yuan.

If both employees and their spouses meet the loan application conditions, the maximum loan limit for each household is 1 million.

2. The specific loan limit is determined comprehensively based on factors such as the employee's housing provident fund payment status and housing provident fund loan limit standards, the condition and price of the purchased house, personal repayment ability and credit status.

3. If the employee housing provident fund loan limit is insufficient, they can apply for a housing provident fund portfolio loan. The term, guarantee method, and repayment method of the commercial loan in the portfolio loan should be consistent with the provident fund loan.

4. Starting from November 1, 2018, the loan limit of the employee housing provident fund will be calculated based on 15 times the average monthly balance of the employee housing provident fund account when applying for a housing provident fund loan. The calculation result will be an integer in the thousands. If the calculation result is higher than 500,000 yuan, it will be calculated as 50

Ten thousand yuan is determined, and if it is less than 150,000 yuan, it is determined as 150,000 yuan.

When a loan applicant applies for a provident fund loan, the number of real estate units is calculated based on the family with the largest number of housing units in the name of the applicant and the same applicant. Finally, the family with the largest number of housing units among the loan applicant's family is used to determine the existing housing.

Number of sets (family members include husband and wife and minor children).

Legal basis: Article 3 of the "Implementation Rules of the Individual Housing Provident Fund Loan Management Measures" refers to employees who meet the provident fund loan conditions stipulated in the "Measures".

There must be no more than two borrowers for the same provident fund loan.

If there are two borrowers, the relationship between the borrowers should be spouses or direct relatives within two generations. If the borrower and the home buyer are not the same person, they should be spouses or immediate relatives within two generations.

When a borrower applies for a portfolio loan, the borrower of the provident fund loan and the borrower of the commercial loan may not be the same person, but they must be spouses or direct relatives within two generations.

The houses referred to in Article 5 are respectively abbreviated as: (1) commercial houses, 2) existing houses, 3) housing reform houses, 4) houses without house ownership, and 5) self-built houses.

Commercial housing refers to houses developed, constructed and sold by real estate development companies.

Stock housing refers to houses that have been purchased and obtained ownership certificates.

Housing reform housing refers to public housing, which refers to existing public housing purchased by urban employees at a standard price or at a standard price in accordance with the urban housing system reform policies of the state and local people's governments at or above the county level. If purchased at a standard price, the ownership of the house belongs to the individual employee at the standard price.

If purchased, the employee will have partial ownership of the house, which will generally be owned by the employee personally after 5 years.

Houses without house ownership refer to houses located on military or collective land for which state-owned property certificates cannot be obtained.

Self-built houses refer to houses built with personal investment.

How much can I borrow with a provident fund loan?

Each region has different policies, so the loan amount is also different. For specific circumstances, you should consult the local provident fund center.

If it is a Shenzhen housing provident fund loan.

The loan limit of a provident fund loan is 12 times the housing provident fund account balance of all applicants participating in the limit calculation, and must meet the following requirements at the same time: the monthly loan repayment limit (principal and interest calculated according to the equal principal and interest repayment method) does not exceed the application

50% of the housing provident fund payment base.

The loan amount shall not exceed the difference between the total purchase price and the down payment.

The loan amount shall not exceed the maximum provident fund loan limit for a single housing unit.

The applicant has not withdrawn the housing provident fund for more than three consecutive years before applying for a provident fund loan.

Provident fund is a fee paid by the employer to its employees. It is mainly used for employees to buy a house or rent a house. If they do not buy a house, the amount can also be withdrawn. Always,

It's very convenient.

When we buy a house, when we use provident fund to buy a house, not only can it be deducted, but the amount of our loan is still relatively high. Of course, the amount of provident fund loan must be implemented according to the announcement issued by the local provident fund center, not by ourselves

You can borrow as much as you want. These are all clearly stipulated. However, compared to people without provident funds, people with provident funds not only have less pressure to repay, but also have less pressure to buy a house. Therefore,

You can rest assured about this.

Also, for those of us who have just graduated, we basically don’t have much money, but we need to rent a house by ourselves, live on our own, and buy food and food, so most of the money comes from asking our parents, but renting a house takes up a lot of money.

Most of the money we spend in life, so if the company pays us provident fund, even if we rent a house, we can use the money in the provident fund account to deduct it, which can alleviate the problem for those of us who have just graduated.

The life of college students is stressful.