As far as I know, under normal circumstances, 70% of the total house price can be loaned.

Two. Xi' an provident fund loan amount

The maximum loan amount of Xi 'an provident fund shall not exceed 500,000 yuan.

When applying for Xi housing provident fund loan, the deposit place is Xi housing provident fund, and the individual housing provident fund deposit account has been paid in full for more than 12 months continuously, and the deposit account is in a normal state; The account balance determines the maximum loan amount, and the monthly repayment amount does not exceed 50% of the family's monthly salary income. It is also necessary to provide comprehensive credit report approval:

1. If the total balance of the deposit account of the borrower and spouse is less than 5,000 yuan, the maximum loan amount shall not exceed 200,000 yuan;

2. If the total balance of the deposit account of the borrower and spouse exceeds 5,000 yuan but is less than 1 0,000 yuan, the maximum loan amount shall not exceed 250,000 yuan;

3. If the total balance of the deposit account of the borrower and spouse exceeds 6,543,800 yuan but less than 20,000 yuan, the maximum loan amount shall not exceed 300,000 yuan;

4. Transfer to the provident fund in different places. If the deposit time in different places and Xi 'an deposit time are not broken, the time and balance can be accumulated, only the balance can be accumulated. When the employee issues a copy of the transfer form, the balance transferred from different places in the provident fund deposit system must be displayed as "external transfer".

Regulations on the administration of housing provident fund

Article 12

The Housing Provident Fund Management Committee shall, in accordance with the relevant provisions of the People's Bank of China, designate commercial banks entrusted with the financial business of housing provident fund; The housing provident fund management center shall entrust the entrusted bank to handle housing provident fund loans and settlement, the establishment, deposit and return of housing provident fund accounts and other financial services. Article 26

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center and other fire control institutions shall make a decision on whether to grant the loan within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

3. what is the maximum loan amount of 3.Xi personal provident fund?

Anyang housing fund management center

Zhai, director of Linzhou Management Department, "high housing prices and low income" is an unavoidable contradiction for employees to buy houses. In the face of rising housing prices, it is what every property buyer expects to choose a personal housing consumption loan with low interest rate, convenient procedures and flexible repayment methods. At present, the housing provident fund loan business in our city has been fully launched. Zhai, the head of Linzhou Urban Management Department, accepted an interview with reporters on the related issues of housing provident fund loans in our city.

Q: What is a housing provident fund loan?

Answer: The housing provident fund loan refers to the housing provident fund collected by the housing provident fund management center, which is a low-interest special policy loan for employees who participate in the housing provident fund deposit and have insufficient funds.

Q: Who can apply for housing provident fund loans?

Answer: The lender who applies for housing provident fund must be an on-the-job employee of the unit that participated in the housing provident fund system in our city and paid the housing provident fund in full for more than one year, or paid the housing provident fund in full for more than one year after withdrawal, with full capacity for civil conduct. You can apply for a housing provident fund loan when you buy a house.

Q: What is the amount and duration of the housing provident fund loan?

A: The maximum amount of a single loan for an ordinary commercial house is 300,000 yuan, and it does not exceed 70% of the total price of the house purchased by the borrower (excluding the basement). The maximum amount of second-hand housing loans shall not exceed 60% of the purchased housing price (determined by the lower transaction price and evaluation price). The loanable amount is comprehensively determined according to the borrower's repayment ability, personal credit and other factors, and its calculation formula is: loanable amount = (total monthly salary of the borrower and spouse) ×30%× 12 months× loan period.

The longest loan period is 30 years. From the date of loan, men are not over 65 years old and women are not over 60 years old, unless otherwise stipulated by the state. The longest term of second-hand houses is the same as above, and shall not exceed the durable life and land transfer life of the houses purchased.

Q: What is the interest rate for housing provident fund loans?

A: At present, the interest rate of provident fund loans is as follows: within five years (including five years), the annual interest rate is 4.77% (monthly interest rate is 3.975‰), and over five years, the annual interest rate is 5.22% (monthly interest rate is 4.35‰). If the loan term is adjusted by the national interest rate, the loan interest rate will be adjusted accordingly, and the loan that has been issued will not be adjusted in the current year, and the adjustment time in the next year will be 65438+ 1. The interest rate will not be adjusted within one year (including one year) of the loan term.

Q: What are the types of housing provident fund loans?

A: At present, housing provident fund loans are applicable to commercial housing (including forward housing and existing housing), fund-raising housing and second-hand housing in our city.

Q: What information do individuals need to provide when applying for housing provident fund loans?

Answer: (1) When handling commercial housing loans, the information that individuals need to provide is: commercial housing sales contract (3 originals); 30% down payment document (3 originals); Valid identity cards of the applicant and spouse (3 xeroxes, original inspection); Household registration book (home page, home page and personal page) and marriage certificate (3 originals of marriage certificate, divorce certificate or divorce judgment) of the applicant and spouse; Certificate of unmarried persons (3 originals); Proof of income of the applicant and spouse (3 copies of original payroll or financial seal).

(2) The materials that units and individuals need to provide for financing housing loans include: the approval of the Planning Commission, the state-owned land use certificate, the construction land planning permit, the construction project planning permit, and the housing construction permit (check the original, get a copy and affix the official seal of the unit in triplicate); Unit housing allocation plan (including: 3 originals of building number, floor number, room number, construction area, total house price and unit price); 30% down payment document (3 originals); Valid identity certificates of the applicant and spouse (3 xeroxes, original inspection); Household registration book (home page, home page and personal page) and marriage certificate (3 originals of marriage certificate, divorce certificate or divorce judgment) of the applicant and spouse; Certificate of unmarried persons (3 originals); Proof of income of the applicant and spouse (3 originals of payroll or financial seal).

(3) When handling the second-hand housing loan, the information that individuals need to provide includes: the ID card of the owner and spouse of the house, the household registration book (home page, home page and personal page) and the marriage certificate (3 originals of marriage certificate, divorce certificate or divorce judgment); Certificate of unmarried persons (3 originals); Identity card, household registration book and marriage certificate of the purchaser and spouse (3 originals of marriage certificate, divorce certificate or divorce judgment); Certificate of unmarried persons (3 originals); Purchase and sale agreement or contract (3 originals); Original house ownership certificate and land certificate (3 originals); Evaluation report (3 originals); 40% down payment certificate (3 originals); Proof of income of the purchaser and spouse (3 copies of original payroll or financial seal).

Q: What are the repayment methods for housing provident fund loans?

Answer: You can choose the equal principal and interest repayment method or average capital repayment method to repay the provident fund loan. Matching principal and interest repayment means that the total amount of principal and interest repaid each month remains unchanged, the principal increases month by month and the interest decreases month by month; Equal repayment of principal is equal to monthly repayment of principal, and interest decreases month by month. The repayment formula is as follows:

Once the repayment method of the borrower is determined, it shall not be changed. After the provident fund loan is issued, the borrower will deposit the principal and interest payable in advance into the repayment account according to the repayment date agreed in the loan contract, and the entrusted bank undertaking the provident fund loan will deduct it from the account on schedule every month. During the loan period, the borrower and his spouse's provident fund deposit account will stop drawing, which will only be used to settle the loan principal and interest, and shall not be used for other purposes.

Q: Can I repay the housing provident fund loan in advance?

A: Yes. If the borrower repays or settles the loan principal and interest in advance, it must repay it normally for more than one year before applying for prepayment. Repay part of the loan principal in advance, with a minimum ratio of not less than 10000 yuan. Repay the loan principal and interest in advance once a year in principle. To repay or settle the loan principal and interest in advance, the borrower must apply to the entrusted bank 30 days in advance. Repay part of the loan principal in advance, and the entrusted bank recalculates the remaining repayment amount according to the borrower's remaining loan principal, with the interest rate unchanged; Repay the loan principal and interest in full in advance, and the borrower does not charge any other interest except the remaining principal and the interest payable in the current month.

4. What is the maximum personal amount of 4.Xi 'an Provident Fund?

The maximum amount of single deposit employee loans shall not exceed 650,000 yuan, and the maximum amount of double deposit employee loans shall not exceed 850,000 yuan.

The monthly repayment of loan principal and interest of individual housing provident fund loans shall not exceed 50% of the sum of the deposit bases of borrowers and spouses. If the borrower's spouse fails to pay the provident fund, it shall be calculated according to his monthly income, and a bank statement or tax payment certificate that can prove the effective income shall be provided.

Double-paid employees refer to employees whose married couples pay the housing provident fund in time, continuously and in full.

Single-paid employees refer to employees who are unmarried, divorced, unmarried or married, but their spouses have not paid or have not paid the housing provident fund on time, continuously and in full.