1. State-managed provident fund loan limit

The state-managed provident fund loan limit is 600,000 yuan. If an applicant applies for a housing provident fund loan, the housing provident fund management center shall make a decision on whether to approve the loan or not within 15 days from the date of accepting the application, and notify the applicant. If a loan is approved, the entrusted bank will handle the loan procedures. When applying for a housing provident fund loan, the applicant should fill out the "Housing Provident Fund Loan Application Form" and submit all loan application materials as required. For loan applications with complete information, banks will promptly accept and review them and submit them to the Provident Fund Center in a timely manner. The Provident Fund Center is responsible for approving loans and notifying banks of the approval results in a timely manner. The bank will notify the applicant to handle the loan procedures based on the approval results of the Provident Fund Center. The borrower and his wife will sign a loan contract and related contracts or agreements with the bank, and submit the loan contract and other procedures to the Provident Fund Center for review. After approval by the Provident Fund Center, the transfer committee will Loan fund, the trustee bank will issue loans in full and on time as stipulated in the loan contract. What is the down payment ratio of state-managed provident fund loans? 1. The down payment ratio of a first-home housing loan shall not be less than 20% of the total purchase price, that is, the personal loan amount shall not exceed the actual purchase price (the lower of the appraised value of the existing house and the actual purchase value of the existing house is Whichever shall prevail, the same below) 80%. The housing provident fund personal loan benchmark interest rate shall be implemented; 2. The down payment ratio of the second house loan shall not be less than 20% of the total purchase price, that is, the personal loan amount shall not exceed the actual purchase price (the existing house shall be based on the lower of the appraised value of the house and the actual purchase value of the house) Whichever shall prevail, the same below) 80%. The loan interest rate is 1.1 times the housing provident fund personal loan benchmark interest rate. Legal basis: Article 24 of the "Housing Provident Fund Management Regulations" If an employee has any of the following circumstances, he or she may withdraw the balance in the employee's housing provident fund account: (1) Purchasing, constructing, renovating, or overhauling a self-occupied house; (2) ) Retirement or retirement; (3) Completely losing the ability to work and terminating the labor relationship with the employer; (4) Leaving the country to settle; (5) Repaying the principal and interest of a house purchase loan; (6) The rent exceeding the prescribed proportion of family wage income . In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, when the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time. If an employee dies or is declared dead, the employee's heirs or legatees can withdraw the balance in the employee's housing provident fund account; if there is no heir or legatee, the balance in the employee's housing provident fund account will be included in the appreciation income of the housing provident fund.

2. State-managed provident fund loan limit

Jinan adjusts the provident fund loan limit: the maximum loan limit is 700,000. The maximum loan amount for families with two or more employees who have paid housing provident funds to apply for housing provident fund loans has been increased from 600,000 yuan to 700,000 yuan (for households applying for housing provident fund loans in the four counties and cities of Zhangqiu, Pingyin, Jiyang, and Shanghe The maximum loan amount is increased from 500,000 yuan to 600,000 yuan); the maximum loan amount for employee families with one person paying housing provident fund to purchase a self-occupied house in the six districts of the city and apply for a housing provident fund loan is increased from 300,000 yuan to 400,000 yuan yuan (the maximum loan amount that can be applied for housing provident fund loans in the four counties and cities of Zhangqiu, Pingyin, Jiyang, and Shanghe has been increased from 250,000 yuan to 350,000 yuan).

3. Under what conditions can a state-managed provident fund loan of 1.2 million be obtained?

The housing provident fund loan amount can only be determined by comprehensive calculation. The calculation of provident fund loan amount is determined based on four conditions: loan repayment ability, house price ratio, housing provident fund account balance and maximum loan limit. The minimum value calculated from the four conditions is the maximum loan amount that the borrower can borrow. The calculation method is as follows: According to the loan repayment ability calculation formula, {(the total monthly salary of the borrower, the monthly housing provident fund deposit amount of the borrower’s unit) × the loan repayment ability coefficient - the total monthly repayment of the borrower’s existing loan} × loan term ( month), use the spouse's quota {(the total monthly salary of both spouses and the monthly housing provident fund deposit amount of the employer where both spouses work) × loan repayment ability coefficient - the total monthly repayment of the existing loans of both spouses} × loan period (months). Among them, the loan repayment ability coefficient is 40%. Total monthly salary = monthly provident fund payment ÷ (unit payment ratio and individual payment ratio); based on the house price calculation formula, loan amount = house price × loan ratio, in which the loan ratio is based on Determined by the different types of houses purchased, constructed and repaired and the number of housing loans; based on the account balance, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than the balance of the employee's housing provident fund account when applying for a loan (at the same time, using the spouse's housing provident fund to apply for a provident fund loan, for employees and 10 times the sum of the balances of the spouse's housing provident fund account). If the balance of the housing provident fund account is less than 20,000 yuan, it will be calculated as 20,000 yuan; according to the maximum limit, if you use your own housing provident fund to apply for a housing provident fund loan, the maximum loan limit is 400,000 yuan, and you will use your spouse's housing at the same time. If you apply for a housing provident fund loan with your provident fund, the maximum loan limit is 600,000 yuan. If you use your own housing provident fund to apply for a housing provident fund loan, and you make a normal deposit of supplementary housing provident fund when applying for a loan, the maximum loan limit is 500,000 yuan, and you use your spouse's housing provident fund to apply for housing. Provident fund loan, and if you or your spouse make regular deposits into the housing provident fund when applying for the loan, the maximum loan limit is 700,000 yuan.

IV. State-managed provident fund loan limits

The state-managed provident fund loan limits are as follows:

1. The state-managed provident fund loan limit is the highest for the second home. The quota is 00,000 yuan;

2. If the first home is an affordable house, the down payment ratio is only 20%. Ensure that housing provident fund loans are mainly used to protect the needs of first-time home purchases and policy housing purchases, and guide employees' improvement home purchase needs mainly through combined loans. The proportion is adjusted from a unified 20% to purchase affordable housing, with a down payment of 20%, and the purchase is economical. For the first house other than applicable housing, the down payment is 30%; for the second house, the down payment is 60%. At the same time, the maximum loan limit for the second house is 8

"Housing Provident Fund Management Regulations"

Employees who have paid housing provident funds may apply for housing provident fund loans from the Housing Provident Fund Management Center when purchasing, constructing, renovating or overhauling their own homes.

The Housing Provident Fund Management Center shall make its own decision on whether to accept the payment or disallow the loan, and notify the applicant; if the loan is approved, the entrusted bank shall handle the loan procedures.

Housing provident fund loan.