The role of the provident fund is relatively large, for people who have the idea of buying a house, it is very important, because the provident fund can buy a house through loans. Now many young couples will choose provident fund loan to buy a house, because the loan interest is relatively low, which can reduce the pressure of buying a house. However, provident fund loans also need to meet certain conditions. Do you know what are the conditions for a couple's provident fund loan? How much can I borrow? Next, by the small make up to give you specific talk about the amount of husband and wife provident fund loan?
How much is the loan line of husband and wife accumulation fund?
At present, for the first set of housing, the higher amount of provident fund paid by both husband and wife is 800000, while for the second set of housing, the higher amount of provident fund paid by both husband and wife is 600000. It should be noted that the amount of loans for husband and wife provident fund varies from region to region.
Personal provident fund loan limit:
1. The higher loan limit of the borrower's normal deposit of housing provident fund is 300000 yuan.
2. Both the borrower and his spouse normally pay the housing provident fund, and the higher loan limit is 500000 yuan.
Calculation of the loan amount of the husband and wife's housing provident fund: the loan amount of the husband and wife's housing provident fund = (the amount of the husband and wife's housing provident fund deposited in history + the amount of the provident fund deposited from the date of loan application to the date of retirement) & times; 2.
For example: suppose two couples, one has 25 years to retire and the other has 15 years to retire, and each of them can deposit 500 yuan of provident fund each month, which has been paid continuously for one year, then the amount they can get is (500 yuan & times; 2 people & times; December + 500 yuan & times; December & times; 25 years + 500 yuan & times; December & times; 15 years) & times; 2 = 504000 yuan.
What are the conditions for a couple's provident fund loan?
1. The following conditions must be met for both husband and wife to apply for housing provident fund loan: Both husband and wife must pay the provident fund, and there is a certain amount of housing provident fund in their housing provident fund accounts; both husband and wife must pay the housing provident fund for more than one year; both husband and wife must pay the housing provident fund for more than one year;
2. So far, both husband and wife have no need to repay the housing provident fund loan, that is to say, they have not borrowed the housing provident fund or have paid off the previous loan;
3. When husband and wife apply for housing provident fund loan together, they need to provide their marriage certificate.
How much is the loan line of husband and wife accumulation fund? In fact, there is no fixed amount. Generally speaking, when couples apply for provident fund loans, they need to know the amount that can be repaid by both husband and wife and the amount of provident fund account, which will affect the amount of loans. Husband and wife provident fund loan is not so simple, to meet certain conditions, so want to loan friends, must understand the conditions of husband and wife provident fund loan in advance, so as to better apply for the amount of loan.