What is the maximum amount of personal loan for Qingdao provident fund?

Qingdao provident fund loan, the loan amount is different under different circumstances.

1. Personal loan: the maximum loan for house purchase is 360,000 yuan, and the first loan for second-hand house is 2 1 10,000 yuan; The maximum amount of the second loan to buy a new house is 300,000 yuan, and the maximum amount of the second loan to buy a second-hand house is 654.38+0.8 million yuan.

2. Joint loan for husband and wife: the maximum amount of the first loan for buying a new house is 600,000 yuan, and the maximum amount of the first loan for buying a second-hand house is 350,000 yuan; The maximum amount of the second loan to buy a new house is 500,000, and the maximum amount of the second loan to buy a second-hand house is 300,000.

The loan applicant shall meet the following conditions:

1, with permanent residence or valid residence status within the administrative area of this Municipality;

2. Housing provident fund deposit conditions that meet the loan application conditions:

The loan applicant has established a housing accumulation fund account for 12 months (i.e. 365 days), and the account was in a normal deposit state when applying for the loan, and it has been continuously deposited for 12 months in the recent 12 months.

3. There is a house purchase contract or agreement and relevant certification materials, and the down payment ratio of house purchase meets the specified requirements; Self-raised funds equivalent to more than 30% of the total purchase price (excluding supporting fees and decoration fees, etc.). More than 40% of new houses and second-hand houses (with age requirements).

4 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan according to regulations;

5. Agree to handle the loan guarantee and related procedures approved by the provident fund center;

6, the loan applicant to buy new housing, the development unit should sign a loan cooperation agreement with the provident fund center; If the loan applicant buys a second-hand house, the seller of the second-hand house (that is, the original owner of the house) shall not be his spouse;

7. Neither the borrower nor the spouse has outstanding provident fund loans; The second application for provident fund loans, the first provident fund loans must be settled for two years; Three or more provident fund loans will not be accepted.

To sum up, under normal circumstances, the loan amount of provident fund is limited, and the loan factors that often affect the provident fund are the maximum loan amount of provident fund, the balance of individual provident fund account and the amount of provident fund deposit.

Legal basis:

Regulations of People's Republic of China (PRC) Municipality on the Administration of Housing Provident Fund

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 shall make a decision on whether to grant loans 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. The risk of housing provident fund loans shall be borne by the housing provident fund management center.