1.2 million (and it depends on the policy of your city)

Second, how much can the provident fund borrow?

The maximum amount of individual application for a single housing provident fund loan is 500,000;

If * * * applies together with the applicant and * * * participates in the quota calculation together with the applicant, the maximum amount of a single housing provident fund loan is 900,000 yuan. Therefore, if the balance of the provident fund account is 70,000 yuan, you can borrow 500,000 yuan in your own name.

If you apply together with the * * * applicant and the balance of the * * * applicant's provident fund account is 0, you can apply for a loan of 70,000 yuan, 14 times = 840,000 yuan.

3. How much can the housing provident fund borrow at most?

The subjectivity of law: 1. What is the maximum loan amount of housing provident fund loan? 65,438+0. Generally, one person applies for a housing provident fund loan with a maximum loan amount of 500,000 yuan; If two or more people buy the same house and apply for housing provident fund loans, the maximum loan amount is 800,000 yuan. 2. Please consult the local Public Offering of Fund Management Center for specific suggestions. 2. Housing provident fund loans 1. Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment. 2. Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 400,000 yuan; The maximum amount of personal housing provident fund loans in Guangzhou is 500,000 yuan, and that in Beijing is 800,000 yuan. If the rating is 3A, it can reach 800,000 yuan (130%) =1040,000. 3. Secondly, the maximum loan amount of the housing provident fund does not exceed 70% of the total purchase price; Formula for loan amount of housing provident fund: sum of individual monthly contributions of the borrower and spouse to the provident fund ÷ actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient )× loan term (longest loanable term). If the contribution ratio of both husband and wife is inconsistent, the actual contribution ratio shall be determined according to the higher one. Not higher than the loan limit determined according to the repayment ability of the loan applicant and spouse. When applying for provident fund loan, the monthly repayment amount/monthly income should not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities).

Legal objectivity: In view of the problem that some buyers put forward that "the balance of provident fund in the provident fund account is zero, then the amount of provident fund loan is zero", the amount of Beijing housing provident fund loan is not calculated according to the balance in the lender's provident fund account. At present, the maximum amount of a single housing provident fund loan is 400,000 yuan; The loan amount can be increased by 30% to 520 thousand yuan for loan applicants whose credit rating is AAA in the personal credit evaluation report; The AA category can increase by 15% and reach 460,000. The calculation formula of the maximum loanable amount of the housing accumulation fund of this city is: the remaining amount after deducting the monthly living expenses of at least 400 yuan from the monthly income of the borrower's family (monthly income = the monthly contribution amount of the employee's individual housing accumulation fund ÷ the contribution ratio of the employee's housing accumulation fund), and then dividing it by the monthly repayment amount per 10,000 yuan during the loan application period, which is the maximum loanable amount. At the same time, the specific loan amount and term must meet the requirements of single maximum loan amount, maximum loanable amount and minimum down payment. For example, if you apply for a housing provident fund loan, the individual will pay the housing provident fund in 200 yuan every month, with a deposit ratio of 8%, and the spouse will pay the housing provident fund every month with a deposit ratio of 8%. The loan application period is 10 year, and the purchased house is affordable, with a total house price of 400,000 yuan, so you can borrow at most 330,000 yuan. In addition, the current provident fund loan contract stipulates that early repayment is actually a unilateral breach of contract, so the defaulting party should bear the liability for breach of contract in accordance with the contract, such as paying liquidated damages. However, at present, there is no such provision in the provident fund loan contract, but it is agreed to repay in advance. The specific provision is that after you pay off the principal and interest of the current month, you can repay part or all of the loan in advance. Interest is not charged on part or all of the loan principal repaid in advance after repayment. If the loan is not paid off in full in advance, the prepayment amount of some loans must be an integer multiple of 10000 yuan, at least 10000 yuan. For the remaining loan amount, you can choose to recalculate the monthly repayment amount without changing the loan term, or shorten the loan term appropriately without changing the monthly repayment amount. It is understood that the purchase of owner-occupied housing, you can withdraw the provident fund, but the cumulative withdrawal amount can not be greater than the total purchase price. If you buy a house with a loan, you can also withdraw the provident fund quarterly or annually after buying a house. But one thing to remind you is that when you withdraw the provident fund, you must keep at least one month's deposit in your provident fund account.

4. What is the maximum amount of housing provident fund loans?

First, how much is it?

1. What is the maximum amount of housing provident fund loans?

(1) If the borrower continuously pays the housing provident fund in full, the maximum loan amount shall not exceed 500,000 yuan; If the borrower and spouse deposit the housing provident fund in full and continuously at the same time, the maximum loan amount shall not exceed 700,000 yuan;

(2) For families whose first home loan amount does not exceed the total house price and whose building area in Xing Tao is more than 90 square meters, and families whose loan amount does not exceed 7 house prices, the loan amount does not exceed 40% of the house price, and the loan interest rate refers to the interest rate of the same period.

(3) The loan amount shall not be higher than the amount comprehensively determined according to the deposit time of the provident fund and the balance of the deposit account. If the spouse's provident fund deposit is abnormal, it will not be included in the spouse's provident fund.

2. Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund.

Workers who have paid housing provident fund will get housing provident fund loans when they buy, build, renovate or overhaul 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. Housing public management center undertakes.

Second, the provident fund loan process

1. Calculate the loan amount and term. Apply for consulting matters through developers, loan contractors, banks or housing provident funds;

2. Employees who purchase houses shall apply for loans to the provident fund loan undertaking bank and provide the above-mentioned required information;

3. Sign a contract, sign a loan contract in the loan service hall, etc.

5. Bank loans.