How much can the housing provident fund loan? How much can it loan? In order to ensure the legitimate rights and interests of employees and reduce the difficulties of employees in buying and renting houses, China is vigorously implementing the housing provident fund system, requiring all employers to buy housing provident fund for employees according to the regulations. So how much can housing accumulation fund loan at most?
How much can housing accumulation fund loan?
[answer]: at present, the government of our country does not specify the amount of housing provident fund loan, that is, how much housing provident fund can loan, which is generally determined by the provinces and cities themselves. For example, the amount of housing provident fund loan in Shenzhen is related to the balance of the employee provident fund account, the deposit base, the value of the purchased real estate, the loan ratio, and the loan period; the amount of housing provident fund loan shall not exceed 14 times of the balance of the provident fund account at most, and the amount of individual application for a single loan shall not exceed 500000, and the amount of joint applicant's participation in the calculation of the amount of single loan shall not exceed 900000. Another example is Zhengzhou housing provident fund management center, which stipulates that the amount of loans for Zhengzhou provident fund depositors to purchase the first house of a family shall not be higher than 80% of the total price of the house purchased, and the amount of loans for purchasing second-hand houses shall not be higher than 60% of the total price of the house purchased; the amount of loans for purchasing second-hand houses shall not be higher than 70% of the total price of the house purchased; At the same time, the maximum amount of personal loan is 400000 yuan, and the maximum amount of joint loan of husband and wife is 600000 yuan. The maximum amount of loan in Shangjie sub center and each county / city management department is 400000 yuan.
Related questions: what is the interest rate of housing provident fund loan? What are the conditions of housing provident fund loan? How long is the longest period of housing provident fund loan?
1、 I have deposited my provident fund for 2 years. Now I plan to apply for provident fund loan to buy a house. How much can I borrow?
[reply]: due to the actual situation in different places, the loan amount and limit of housing provident fund are different. For details, please consult the local housing provident fund center, or call 12329.
2、 Work in Shijiazhuang, deposit provident fund for 1 year, I do not know whether to apply for provident fund loans? How much money can provident fund loans?
[reply]: Yes, the individual housing loan limit of Shijiazhuang housing provident fund is determined on the basis of the balance of the individual account of the borrower and his / her spouse housing provident fund, combined with the time to deposit the housing provident fund, the maximum loan proportion of the house purchased, the loan period and the loan repayment ability. The maximum loan limit is 600000 yuan. For more information, please call 12329.
3、 How much can housing accumulation fund loan? How long can it loan?
[reply]: how much can housing provident fund loan according to local provident fund policy. The maximum term of a general loan is 30 years.