How much provident fund can be borrowed? If the provident fund has been deposited for one year and there is no interruption in payment, you can apply for a provident fund loan: 1. Individual provident funds can be loaned up to 400,000, those with supplementary provident funds can be loaned up to 500,000, and couples can be loaned up to 600,000.

Ten thousand, one party with supplementary provident fund can borrow up to 700,000; 2. 15 times the balance in the provident fund to buy a second-hand house, and 20 times the balance in the card if buying a new house; 3. Provident fund loan limit = monthly provident fund deposit limit

Individual deposit ratio Unit deposit ratio Provident fund monthly deposit limit/2 times 40% Other monthly repayments times the loan term.

The formula for calculating housing provident fund loans is: 1. Provident fund loan amount = the sum of the monthly provident fund deposits of the borrower and the loan participant divided by the payment ratio multiplied by 12 months multiplied by the loan term multiplied by 40%; 2.

Provident fund loan amount = fifteen times the balance of the provident fund account of the borrower and loan participant.

Loan term: The long-term housing provident fund loan cannot exceed 30 years, and the loan term plus the borrower’s age must not exceed five years after the borrower’s legal retirement age.

The total age of the second-hand house and the loan term cannot exceed 50 years; Article 13 of the "Housing Provident Fund Management Regulations" The housing provident fund management center shall set up a special housing provident fund account in the entrusted bank.

The unit shall register the payment and deposit of housing provident fund with the housing provident fund management center, and handle the procedures for setting up housing provident fund accounts for its employees.

Each employee can only have one housing provident fund account.

The housing provident fund management center shall establish a detailed account of employees' housing provident funds to record the deposits, withdrawals, etc. of individual employees' housing provident funds.

How much housing provident fund payment can I get a loan to buy a house?

Provident fund is paid 400 yuan every month. After paying for 6 months, the balance in the account is 2,400 yuan. After paying for 1 year, the balance in the account is 4,800 yuan. For this account balance, you can only apply for tens of thousands of yuan.

Because when the provident fund account balance is multiplied by a certain multiple, a loan limit will be obtained. This multiple is usually more than ten times.

Unless the user pays 400 per month and the account balance is tens of thousands, then the loan limit will be hundreds of thousands.

Therefore, the longer the provident fund payment period, the better, and the larger the balance in the account, the better.

Provident fund loans refer to loans enjoyed by employees who have paid housing provident funds. According to national regulations, all employees who have paid housing provident funds can apply for personal housing provident fund loans in accordance with the relevant provisions of provident fund loans.

Provident fund loans refer to personal housing provident loans. They are local housing provident fund management centers. They use the housing provident funds paid by employees who apply for provident fund loans to entrust commercial banks to provide housing provident fund depositors and depositors who purchase, build, renovate, and overhaul self-occupied housing.

House mortgage loans issued to retired employees who paid housing provident funds during their employment.

Employees who have paid housing provident funds for a certain period of time or more according to regulations (the period in each city is different, for example, it is more than 12 months in Changsha) can apply for provident fund loans when they have insufficient funds to purchase, build, renovate, or overhaul their own houses.

The conditions for the loan are: the unit's current employees sign a labor contract for more than 3 years (or sign a 1-year labor contract for 3 consecutive years); pay the housing provident fund normally and continuously on a monthly basis for more than a certain period; the legal retirement age is not exceeded; the borrower has a stable

economic income and the ability to repay principal and interest; the borrower agrees to handle housing mortgage registration and insurance; provides a guarantee method agreed by the local housing fund management center and its affiliated center; and submits relevant documents required by the bank, such as a house purchase contract or a house pre-sale contract.

, house property rights certificate, land use certificate, proof of provident fund deposit, etc.

Loan conditions 1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

2. Those who participate in the housing provident fund system must also meet the following conditions when applying for a housing provident fund personal home purchase loan: that is, they must have continuously paid and deposited the housing provident fund for no less than six months before applying for a loan.

This is because if employees’ behavior of paying housing provident funds is abnormal and intermittent, it means that their income is unstable and risks will easily arise after the loans are issued.

3. If one spouse applies for a housing provident fund loan, neither spouse can obtain another housing provident fund loan before the principal and interest of the loan are repaid.

Because housing provident fund loans are financial support provided to meet the basic housing needs of employee families, and are a type of "housing security" financial support.

4. When a loan applicant applies for a housing provident fund loan, in addition to having a relatively stable economic income and the ability to repay the loan, the loan applicant must have no other outstanding debts with a large amount that may affect the repayment ability of the housing provident fund loan.

When employees are burdened with other debts, granting housing provident fund loans is very risky and violates the principle of safe operation of housing provident funds.

5. The maximum term of provident fund loans shall not exceed 30 years.

When applying for a portfolio loan, the loan terms of the provident fund loan and the commercial housing loan must be consistent.