1. If you apply for a personal housing provident fund loan at Bank of China in Shenzhen, the provident fund loan limit is 14 times the provident fund account balance, and the following conditions must be met: 1) The monthly loan repayment amount (based on equal principal and interest or equal principal) is not
If it exceeds 50% of the applicant's housing provident fund payment base, the deposit bases of the same applicant can be accumulated; 2) The provident fund loan limit shall not be higher than the difference between the total purchase price and the down payment.
3) Not higher than the maximum provident fund loan amount for a single house.
If an employee applies as an individual, the maximum amount of provident fund loan for a single house is 500,000 yuan. If the applicant and *** apply together, and *** and the applicant pay housing provident funds in this city, the maximum amount of provident fund loan for a single house will be 500,000 yuan.
The maximum provident fund loan limit is 900,000 yuan.
4) If the applicant has not withdrawn the housing provident fund for more than three consecutive years before applying for a provident fund loan, the loan limit of the provident fund loan calculated based on the multiple of the housing provident fund account balance can be increased by 10%, but it cannot exceed the maximum limit of a single loan and the monthly loan repayment ability.
, and the difference between the total purchase price and the down payment.
The final calculation of the loanable amount is subject to the system calculation.
2. Due to the differences in the policies and requirements of housing provident fund management centers in different regions for handling personal housing provident fund loans, you need to consult the provident fund loan business branch or the local provident fund management center for details.
The above content is for your reference, please refer to actual business regulations.
If you have any questions, please feel free to consult Bank of China’s online customer service.
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