The maximum loan amount for the second set of improved housing is 800,000 yuan (400,000 yuan per person), and the maximum loan amount for families who supplement the provident fund is 6,543,800 yuan+0,000 yuan (500,000 yuan per person).
The loan amount must meet the following conditions: 1,
Not higher than the loan limit determined according to the multiple of the borrower's housing provident fund account balance and the borrower's housing provident fund account balance (30 times of the housing provident fund balance and 10 times of the supplementary housing provident fund balance);
2, not higher than the loan limit determined by the proportion of the total housing price;
3. Not higher than the loan limit determined according to the repayment ability. The calculation formula is: the salary base for the borrower to calculate the monthly payment of housing provident fund × the specified proportion (40%) ×1February× the loan period (year);
4. Not higher than the maximum loan amount.
For details, please consult the loan branch of China Bank.
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.
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