1. The maximum amount of housing provident fund loan you can borrow 1. Generally, if one person applies for a housing provident fund loan, the maximum loan amount is 500,000 yuan. If two or more people apply for a housing provident fund loan to purchase the same house, the maximum loan amount is 800,000 yuan.
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2. It is recommended to check with the local public fund management center for specific information.
2. Housing Provident Fund Loans 1. Housing Provident Fund Loans refer to local housing provident fund management centers using the housing provident funds paid by employees and their units and entrusting commercial banks to provide housing provident funds to current employees who have paid housing provident funds and to employees who have paid housing provident funds during their employment.
Home mortgage loans issued to retired employees.
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 for an individual in Chengdu is 400,000 yuan; the maximum amount for an individual housing provident fund loan in Guangzhou is 500,000 yuan; and the maximum amount of a housing provident fund loan for an individual in Beijing is 500,000 yuan.
The maximum quota is 800,000, and if the rating reaches the 3A level, the maximum can be 800,000*(1+30%)=1.04 million.
3. Secondly, the housing provident fund loan limit shall not exceed 70% of the total house payment; the housing provident fund loan limit formula is: the sum of the monthly provident fund deposits of the borrower and the spouse is divided by the actual payment ratio multiplied by 12 (monthly) multiplied by 0.45 (
Repayment ability coefficient) multiplied by the loan period (the maximum loan period). If the payment ratios of the husband and wife are inconsistent, the actual payment ratio shall be determined by the party with a higher ratio.
No more than the loan limit determined based on the repayment ability of the borrower and his or her spouse.
To apply for a provident fund loan, the monthly repayment/monthly income should not exceed 50% (including: the monthly repayment includes the sum of existing liabilities and the monthly repayment of this debt).