Shangrao provident fund loan limit The maximum limit of personal housing provident fund loan is 500,000 yuan.

The Shangrao provident fund loan process is as follows: 1. Application.

The loan applicant applies to the management center or the entrusted bank and submits the required application materials.

2. Investigation.

The trustee bank will review the authenticity of the materials submitted by the loan applicant, and investigate matters such as personal credit report, existing house condition of the family, down payment ratio, adequacy of guarantee, borrower's income and liabilities, etc.

3. Review.

The management center will review the application materials based on the investigation results of the entrusted bank and make a decision on whether to grant the loan within ten working days.

4. Sign a contract.

The trustee bank signs loan contracts and guarantee contracts with all loan applicants and guarantors.

5. Guarantee.

After signing the contract with all loan applicants and guarantors, the trustee bank shall handle mortgage registration and other guarantee procedures in accordance with the loan contract.

6. Grant loans.

The entrusted bank withdraws funds.

How much provident fund loan can be borrowed: The provident fund loan limit is 10-15 times of the provident fund account balance. In most cities, it can reach 15 times. The provident fund account balance can be checked through the early notification SMS of the provident fund payment every month, or through Alipay.

Check with WeChat city service.

As long as the borrower can check his balance, he can know the maximum loan limit of his provident fund.

Assuming that the borrower's provident fund balance is 50,000 yuan, then according to calculations, the maximum loan that can be made through the provident fund is 750,000 yuan.

Of course, the above is just a theoretical calculation method.

Because according to regulations, if you apply for a provident fund loan in your own name, the maximum cannot exceed 600,000 yuan.

If the borrower is in the name of a couple, the maximum loan amount that can be applied for is 1.2 million yuan.

If the borrower is applying to purchase a second home, the loan amount will be reduced significantly.

To sum up, the maximum amount of Shangrao provident fund loan is 500,000 yuan.

The housing provident fund loan limit applied by the original borrower shall be calculated based on 20 times the normal deposit balance of the provident fund account of the original borrower and his or her spouse. If 20 times is less than 300,000 yuan, the amount shall be determined at 300,000 yuan.

Legal basis: Article 26 of the "Housing Provident Fund Management Regulations" stipulates that 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.