How many times can I borrow the provident fund for a house loan?

How many housing provident fund loans can I use to buy a house?

1. To apply for individual housing provident fund loans in China Bank, the amount of provident fund loans is 14 times the balance of the provident fund account, and the following conditions must be met:

1. The monthly repayment amount (calculated by equal principal and interest or average principal) shall not exceed 50% of the deposit base of the applicant's housing provident fund, which can be accumulated * * * times with the deposit base of the applicant;

2. The amount of the provident fund loan is not higher than the difference between the total purchase price and the down payment.

3, not higher than the maximum amount of a single housing provident fund loan. Individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan, and the maximum amount of a single housing provident fund loan is 900,000 yuan if the applicant and * * * jointly apply and * * * deposit the housing provident fund in this city.

4. If the applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the housing provident fund loan, the loanable amount of the housing provident fund loan calculated according to the balance multiple of the housing provident fund account may be increased by 10%, but it shall not exceed the maximum amount of a single loan, the monthly repayment ability, the difference between the total purchase price and the down payment.

The calculation of the final loanable line is subject to the system calculation.

Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.

How many times can I borrow a provident fund loan?

Generally speaking, the amount of provident fund loans will be between 10 and 20 times of the borrower's provident fund account balance. In different regions, the regulations will be different. For example, Shenzhen stipulates that the personal housing provident fund loan amount is 14 times of the balance of the provident fund account (please call the staff of the local housing provident fund management center for details).

The more the balance of the customer's provident fund account, the more the loan amount may be. Provident fund loan amount = [(total monthly salary of the borrower+monthly contribution of the housing provident fund of the borrower's unit) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month).

How much can the provident fund loan borrow?

First of all, answer directly.

Although there are about four ways to calculate the loan amount when borrowers apply for provident fund loans, housing provident fund centers in most areas calculate the loan amount according to the balance of borrowers' provident fund accounts.

Second, the specific analysis

The loan amount of the provident fund is 10- 15 times of the balance of the provident fund account, and most cities can reach 15 times. The balance of the provident fund account can be inquired through the SMS of monthly payment of the provident fund, or through Alipay and WeChat city service.

Borrowers can know the maximum loan amount of their provident fund as long as they can check their balance.

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

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

Because according to the regulations, the maximum amount of application for provident fund loans in the name of individuals cannot exceed 600,000 yuan.

If the borrower is in the name of husband and wife, the maximum loanable amount is 6.5438+0.2 million yuan.

If the borrower is applying to buy a second home, the loan amount will drop a lot.

For example, if you buy the first suite in Wuhan, the maximum amount of provident fund loan is 700,000, and the maximum amount of second suite loan is 500,000.

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3. How many years can the provident fund loan be borrowed?

The longest loanable period of provident fund loans is 30 years. You can choose the loan term according to your actual situation within this range. If you can bear greater repayment pressure, choosing a loan with a shorter term can save you some interest expenses.

When applying for provident fund loans, the following conditions are also required to meet the requirements.

1, personal credit is good.

2. Personal income is stable.

3. The debt ratio is not high.

4. The status of the provident fund account is normal.

5. The balance of the provident fund account is sufficient.

6. The provident fund has been continuously deposited 12 months.

7. There is no outstanding provident fund loan in the name.

8. The down payment is paid according to the regulations.

The amount of provident fund loans is related to the balance of provident fund accounts. Under the premise of not exceeding the amount of provident fund loans, the more the balance of provident fund accounts, the more provident fund loans you can apply for. Therefore, in normal times, it is still not easy to withdraw funds from the provident fund account.

There will be some differences in provident fund loan policies in different regions. You can consult the local provident fund center first when you borrow money.

How much can the provident fund loan borrow to buy a house?

The loan ceiling was raised to 654.38+200,000.

Policy: to purchase the first self-occupied house, the maximum amount of personal loan will be adjusted from 300,000 yuan to 500,000 yuan, and the maximum amount of family loan will be adjusted from 600,000 yuan to 6,543,800 yuan; Supplementary provident fund deposit, the maximum amount of personal loans on the basis of 500 thousand yuan increased by 6.5438+0 million yuan, the maximum amount of family loans on the basis of 6.5438+0 million yuan increased by 200 thousand yuan. The purchase of an improved second set of ordinary commodity housing shall be implemented with reference to the purchase of the first set of housing policy. Purchase an improved second set of non-ordinary commodity housing, and the maximum loan amount of the provident fund will be adjusted accordingly.