Core Points - The article discusses the guidelines and conditions for applying for housing provident fund loans in Shenzhen, highlighting the advantages of low interest rates and manageable repayment pressure for homebuyers [1] Group 1: Loan Conditions - For company employees, a minimum of 6 months of continuous contributions to the housing provident fund is required, and they must be in a normal contribution status at the time of application [2] - For flexible employment individuals, a minimum of 12 months of continuous contributions is required, with a total contribution period of at least 36 months [2] - Couples applying together must meet the respective contribution requirements of both parties [3] Group 2: Credit Report Restrictions - Applicants with certain negative credit records, such as multiple overdue payments or being listed as a dishonest debtor, are ineligible for housing provident fund loans [3] Group 3: Loan Interest Rates - As of May 8, 2025, the interest rates for personal housing provident fund loans will be reduced by 0.25 percentage points, with rates set at 2.1% for loans of 5 years or less and 2.6% for loans over 5 years for the first home [4] Group 4: Down Payment Requirements - The minimum down payment for the first home using the housing provident fund loan is 20%, and the same applies for the second home [5] - For purchasing guaranteed housing, the minimum down payment is set at 15% [6] Group 5: Loan Amount Limits - The maximum loan amount is 600,000 for individuals and 1,100,000 for families, with potential increases for those meeting specific conditions [9] - The loan amount is calculated based on 16 times the balance of the housing provident fund account, subject to the maximum limits [9]

Group 1 - The core viewpoint of the article is to provide information on the calculation formula for the housing fund loan limit in Shenzhen [1] - The loan limit is calculated as the balance of the housing fund account (for the applicant and co-applicants) multiplied by 16, subject to certain conditions [2] - The maximum individual loan limit is 600,000 yuan, while the maximum family loan limit is 1,100,000 yuan [3] Group 2 - If all conditions for loan limit increase are met, the maximum individual loan limit can reach 1,260,000 yuan, and the maximum family loan limit can reach 2,310,000 yuan [5] - The loan limit is also influenced by the borrower's repayment ability and loan term, with the monthly repayment not exceeding 50% of the applicant's or co-applicant's housing fund contribution base [6] - The loan amount must not exceed the difference between the total purchase price and the down payment, with specific requirements for down payment ratios [7] Group 3 - To apply for a housing fund loan, employees must have contributed to the housing fund for at least 6 months continuously, while flexible employees must have contributed for at least 12 months continuously [11] - The article mentions that different conditions allow for varying loan limit increases, which can be referenced in accompanying images [11] - There are also methods provided for checking the balance of the housing fund [11]