1. The maximum amount of provident fund loans that can be borrowed is 80%. The details are as follows: 1. To buy a house with a first-time loan, you must pay a down payment of no less than 20% of the price of the house purchased, and the amount is no more than 80% of the price of the house; the area exceeds

90 square meters, a down payment of no less than 30% of the house price is required, and the amount is not higher than 70% of the house price; 2. To buy a house with a second loan, a down payment of no less than 50% of the house price is required, and the amount is not high

50% of the housing price.

Article 26 of the "Housing Provident Fund 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 a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures.

The risks of housing provident fund loans are borne by the housing provident fund management center.

2. The maximum provident fund loan you can borrow to buy a house. The maximum provident fund loan you can borrow to buy a house is thirty times the deposit balance.

The amount of a provident fund loan to buy a house depends on various aspects such as the down payment ratio of the mortgage, the borrower's repayment ability, the age of the house, personal credit report and security ability. If the above qualifications of the house buyer meet the bank's requirements,

Under normal circumstances, the loan amount can meet the demand.

For example, if the total price of the house is one million, and the down payment is 30%, the loan amount that can be borrowed is 700,000.

Legal basis: Article 683 of the "People's Republic of China and Civil Code" No legal person may be a guarantor, except for on-lending with the approval of the State Council for loans from foreign governments or international economic organizations.

Non-profit legal persons and unincorporated organizations with public welfare purposes shall not be guarantors.

3. How much is the maximum provident fund loan that can be borrowed when buying a house? The calculation of the provident fund loan limit is determined based on four conditions: loan repayment ability, provident fund loan price ratio, housing provident fund account balance and maximum loan limit. The minimum calculated from the four conditions

The value is the maximum amount a borrower can lend.

The calculation method is as follows: the loan amount calculated based on the loan repayment ability: (the borrower’s total monthly salary, the monthly housing provident fund deposit amount of the borrower’s unit)

moon).

If the spouse's quota is used, (the total monthly salary of both spouses and the monthly housing provident fund deposit amount of the employer where both spouses work) × the loan repayment ability coefficient - the total monthly repayment of the existing loans of both spouses × the 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); the loan limit calculated based on the house price: loan limit = house price × loan ratio.

The loan percentage is determined based on the different types of housing purchase, construction and repair and the number of housing loans; the loan amount is calculated based on the balance of the housing provident fund account. If an employee applies for a housing provident fund loan, the loan amount shall not be higher than the balance of the housing provident fund account when the employee applies for the loan (at the same time

When applying for a provident fund loan using the spouse's housing provident fund, it shall be 10 times the sum of the employee's and spouse's housing provident fund account balances). If the housing provident fund account balance is less than 20,000, it will be calculated as 20,000; the loan amount calculated according to the maximum loan limit, use one's own housing provident fund to apply

If you apply for a housing provident fund loan, the maximum loan limit is 400,000 yuan; if you use your spouse's housing provident fund to apply for a housing provident fund loan, 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 or your spouse make normal deposits when applying for a loan, the maximum loan limit is 500,000 yuan; if you use your spouse's housing provident fund to apply for a housing provident fund loan, and you or your spouse make normal deposits when applying for a loan

To supplement the housing provident fund, the maximum loan limit is 700,000 yuan.

4. What is the maximum amount of provident fund loan that can be made?

Provident funds can be loaned up to 80%.

Because, 1. To buy a house with a first-time loan, you need to pay a down payment of no less than 20% of the price of the house purchased, and the amount is no more than 80% of the price of the house. If the area exceeds 90 square meters, you must pay a down payment of no less than 30% of the price of the house.

The amount shall not exceed 70% of the housing price.

2. To buy a house with a second loan, the down payment must be no less than 50% of the price of the house purchased, and the amount must not be higher than 50% of the price of the house.