1. The loan amount calculated according to the borrower's repayment ability: [X repayment ability coefficient-the total monthly repayment amount of the borrower's existing loan] X loan
term. In case of using 2-odd lines, [X repayment ability coefficient-total monthly repayment amount of existing loans of both husband and wife] X loan term. Among them,
the loan capacity coefficient is 4%, and the total salary = monthly payment of provident fund +:
2. Loan amount calculated according to the borrower's house price: loan amount = house price x loan percentage. Among them, the loan percentage is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans;
3. According to the loan amount calculated by the borrower's housing provident fund account balance, if an employee applies for a housing provident fund loan, the loan amount shall not be
1 times higher than the balance of the housing provident fund account when the employee applies for a loan, and if the balance of the housing provident fund account is less than 2,, it shall be calculated as 2,:
4. According to the maximum loan amount, if the employee applies for a housing provident fund loan in Changchun, the maximum loan amount shall be 4, yuan. If I use my housing provident fund to apply for a housing provident fund loan, and I normally deposit supplementary housing provident fund when applying for a loan, the maximum loan amount is 5, yuan;
If our company applies for housing provident fund loans by using spouse's housing provident fund, and I or my spouse normally deposit supplementary housing provident fund when applying for loans
, the maximum loan amount is 7, yuan.
Second, the loan amount of Changchun provident fund
1. When employees of Changchun apply for a new commodity housing loan from Changchun Housing Provident Fund, the maximum loan amount is 8, yuan; if there is no borrower, it is 5, yuan.
2. When employees of Changchun apply for the housing loan of Changchun housing accumulation fund, the maximum amount of a single loan is 6, yuan:
If there is no borrower, it is 4, yuan. .
3. On the premise of not exceeding the maximum amount of a single loan, the amount that can be applied for individual housing loan of Changchun Housing Provident Fund is 15 times the sum of the individual account balances of the borrower and
*** with the borrower, but the monthly repayment amount shall not exceed 5% of the monthly salary income of the borrower's family.
Legal basis
1. Article 17 of the General Principles of Loans
To apply for a loan, a borrower should have the following basic conditions: marketable products, profitable production and operation, no misappropriation of credit funds,
abiding by credit, etc., and _ should meet the following requirements:
1. Having the ability to repay the principal and interest on time, and having paid off the original loan interest payable and the loan due; If there is no repayment, a repayment plan approved by the lender has been made;
2. Except for natural persons and business legal persons that do not need to be approved and registered by the Ministry of Industry and Commerce, they shall go through the annual inspection procedures of the Ministry of Commerce.
third, open a basic deposit account or-general deposit account;
iv. the borrower's asset-liability ratio meets the requirements of the lender.
2. Article 26 of the Regulations on the Administration of Housing Provident Fund
Employees who have paid housing provident fund can apply for housing provident fund loans from the Housing Provident Fund Management Center when purchasing, building, renovating or overhauling their own houses.