1. What is the loan amount of housing provident fund?

legal analysis: 1. if the employee meets the loan application conditions, the maximum loan amount is 5, yuan. If employees and their spouses meet the loan application conditions, the maximum loan limit for each household is 1 million.

2. The specific loanable amount is comprehensively determined according to the employee housing provident fund deposit, the loanable amount standard of housing provident fund loans, the status and price of purchased houses, personal repayment ability and credit status.

3. If the employee's housing provident fund loan amount is insufficient, he 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. From November 1, 218, the loanable amount of employee housing provident fund will be calculated by 15 times the average monthly balance of employee housing provident fund account when applying for housing provident fund loan, and the calculation result will be rounded to thousands. If the calculation result is higher than 5, yuan, it will be determined by 5, yuan, and if it is lower than 15, yuan, it will be determined by 15, yuan. When a loan applicant applies for a provident fund loan, the number of housing units is calculated based on the family with the largest number of housing units under the names of the applicant and the family where the applicant belongs. Finally, the number of existing housing units is determined by the family with the largest number of housing units in the loan applicant's family (family members include both husband and wife and minor children).

legal basis: detailed rules for the implementation of the measures for the administration of individual housing provident fund loans

article 3 borrowers refer to employees who meet the conditions for provident fund loans stipulated in the measures. The borrower of the same provident fund loan shall not exceed two. If there are two borrowers, the borrowers should be spouses, or if the lineal relatives payer and the purchaser are not the same person within two generations, they should be spouses or lineal relatives within two generations.

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2. What is the mortgage amount of provident fund?

the minimum is 3, yuan, and the maximum is 5, yuan.

You can enjoy lower interest than commercial loans by using provident fund for mortgage loans. Handling housing provident fund loans requires continuous payment of provident fund for more than one year, so it is necessary to pay the provident fund in full and on time.

the more stable the applicant's occupation, the higher the amount of provident fund, and the higher the loan amount. The specific needs should be comprehensively evaluated according to the borrower's monthly deposit base, professional nature and personal assets.

3. What is the amount of the housing provident fund loan?

according to the calculation formula compiled by souloan. com, it is: (the balance of provident fund account ×2× the monthly contribution of provident fund to the number of statutory retirement months )× 2

4. What is the maximum amount of housing provident fund loan

Hello, the calculation method of provident fund loan amount is as follows:

1. The loan amount calculated according to the repayment ability: [(the total monthly salary of the borrower, the monthly contribution of housing provident fund of the borrower's unit )×

2. according to the amount of spouse used: [(total monthly salary of husband and wife, monthly contribution of housing provident fund in the unit where husband and wife work) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan period (months),

in which the repayment ability coefficient is 4%,

total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio, individual contribution ratio).

3. loan amount calculated according to house price: loan amount = house price × loan percentage.

loan amount calculated according to the maximum loan amount: if I use my housing provident fund to apply for a housing provident fund loan, the maximum loan amount is 4, yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, the maximum loan amount is 6, yuan. If I use my housing provident fund to apply for housing provident fund loans, and I normally pay supplementary housing provident fund when applying for loans, the maximum loan amount is 5, yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, and I or my spouse normally deposit supplementary housing provident fund when applying for loans, the maximum loan amount is 7, yuan.