There is no unlimited place. It&;s easy as long as it meets the conditions. I. The minimum loan amount of the housing provident fund is the maximum loanable amount of the borrower, which is calculated according to three conditions: the multiple of the balance stored in the housing provident fund account, the maximum loan amount and the loan ratio. 1. The formula for calculating the maximum loanable amount according to the balance of the housing provident fund account is : (the balance of the provident fund account ×2× the number of statutory retirement months )× 22. The maximum loanable amount calculated according to the maximum loan amount is 500,000 yuan for one person to apply for a housing provident fund loan, and 800,000 yuan for two or more people to purchase the same house to apply for a housing provident fund loan. 3. The loanable amount calculated according to the loan ratio shall be no less than 20% for families (including borrowers, spouses and minor children, the same below) who purchase the first set of housing and whose Taoxing construction area is less than 90 square meters (including 90 square meters) or who purchase affordable housing according to regulations; For families who purchase the first set of housing and have a building area of 90 square meters or more, the down payment ratio is not less than 30%; For families who buy the second house, the down payment ratio shall not be less than 60%, and the loan interest rate shall be 1.1 times of the benchmark interest rate of the same grade in the same period. Suspend the issuance of housing provident fund loans paid to employees&; families to purchase the third and above sets. Second, the loan period: 30 years; Secondary building: 20 years; It can be extended to 5 years after the statutory retirement age. Iii. loan procedures iv. materials to be submitted for applying for provident fund loans (1) resident identity card and household registration book; (two) the purchase contract, the first purchase invoice or receipt, deposit receipt; (3) proof of income and mortgage account; (four) 《个人名下房产情况证明》 and personal credit report; (five) other documents and materials required by the bank. 5. Enjoy preferential interest rate policy when using provident fund loans. 1. Comparison table of interest rates between provident fund loans and commercial loans (the commercial loan interest rate in this table is the benchmark interest rate). 2. The range of interest savings (calculated at the benchmark interest rate): Calculated with a loan of 500,000 yuan and a term of 20 years, the provident fund loan can save interest expenses by 127,100 yuan compared with commercial loans. VI. Repayment (I) average capital Law (II) Equal Principal and Interest Law VII. Provident Fund Loan Undertaking Bank Construction Bank Industrial and Commercial Bank of China Agricultural Bank of China Bank of Communications Minsheng Bank CITIC Bank Huaxia Bank Guangzhou Bank Guangzhou Rural Commercial Bank Industrial Bank China Everbright Bank Shanghai Pudong Development Bank Shenzhen Development Bank China Merchants Bank Guangfa Bank Postal Savings Bank Guangzhou Housing Provident Fund Management Center Address: 19th Floor, No.12 Huajiu Road, Guangzhou: