Generally speaking, the loanable amount is related to the deposit period, deposit amount and account balance of the provident fund.
Take Changsha as an example. Both husband and wife have paid the housing provident fund in Changsha for 6 months continuously, and the cumulative number of months to pay the provident fund has reached 15 months or more. The maximum loan amount for an individual is 500,000 yuan, and the maximum loan amount for both husband and wife is 700,000 yuan.
Using the provident fund to buy a house needs to meet the following requirements:
1. Deposit the provident fund for one year: you need to deposit the provident fund for one year before you can apply for withdrawal.
2. There is a balance in the provident fund account: if you use the provident fund to buy real estate, you need to have enough balance in the provident fund account and you can withdraw it according to local regulations;
3. Real estate qualification: the purchased real estate needs to meet the conditions stipulated by the local provident fund policy. For example, some urban provident funds can only be used to buy self-occupied houses, and the area, price and purchase time of houses have corresponding regulations;
4. Good personal credit: If you need a loan to buy a real estate, you need to have a good personal credit record, and the loan amount and duration should also comply with local policies and regulations.
To sum up, the provident fund policies in different regions may be different, and the specific requirements need to be determined according to local policies and regulations. Before buying real estate, it is best to consult the local housing and urban-rural construction department or provident fund management center for relevant policies and requirements to ensure that the conditions are met and the purchase can proceed smoothly.
Legal basis:
"Regulations" of housing provident fund management sixteenth
The monthly deposit amount of employee housing provident fund is the average monthly salary of employees in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.
Article 18
The deposit ratio of employees and unit housing provident fund shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels.