Provisions on loan amount:
The amount of bank mortgage is comprehensively calculated according to factors such as house price, loan term, repayment ability and loan amount.
1. If it is a commercial loan, the maximum amount is 70% of the house price;
2. At the same time, the loan term cannot exceed 30 years. If it is a second-hand house, the loan period+house age cannot exceed 30 years;
3. The loan term is determined, and the monthly repayment ability cannot exceed 50% of the family income.
Combining the above three factors, the minimum value is the maximum loan amount.
Details of the subjects:
Calculated by the loan term of 30 years, the amount of the main loanable provident fund is:
Sum of individual monthly contributions of the borrower and spouse to the provident fund ÷ actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient )× loan term (maximum loanable period):
That is,150 ÷ (150 ÷ 2000) ×12× 0.45× 30 = 32400 (yuan).
If you need a loan of 500,000 yuan, you need to apply for a commercial loan of about 6.5438+0.8 million yuan with a term of 30 years, and the loan interest rate is 4.9% of the benchmark interest rate.
According to the regulations, the monthly income of the lender is greater than or equal to the monthly mortgage payment X2, and the monthly income of 2000 can be satisfied.
Therefore, if the subject applies for both commercial loans and provident fund loans, he can borrow 500,000 yuan.
Extended data:
Housing loan is any form of housing loan support provided by banks and other financial institutions to buyers, usually with the purchased house as collateral. According to the source of loan funds, it is divided into provident fund loans and commercial loans.
According to the repayment method, it can be divided into two types: equal principal and interest repayment method and average capital repayment method. The housing loan interest rate is based on the benchmark interest rate of banks in the same period, and the loan interest rates of different banks have slightly increased.
loan limit
Maximum loan amount of housing provident fund
1. The loan amount shall not exceed the borrower's family repayment ability within the loan period.
Loan amount = total monthly salary of the borrower and his/her spouse × repayment ability coefficient of employees × 12 (month )× loan period. The repayment ability coefficient of employees is determined according to the different loan years, which is 35% in 1 to 10 and 40% in1to 30 years. Total monthly salary = monthly contribution of individual account housing provident fund ÷ (unit contribution rate+individual contribution rate)
For example, the monthly housing provident fund deposit in the borrower's housing provident fund account is 160 yuan, and the individual and unit deposit rates are 8%. The monthly housing provident fund deposit in the spouse's housing provident fund account is 286 yuan, and the individual and unit deposit rates are 13%, so the borrower's monthly salary is160 ÷ (8%+8.
2. The loan amount shall not exceed a certain percentage of the house price.
For the purchase of commercial housing, cooperative housing, affordable housing (affordable housing) and self-built housing, the loan amount shall not exceed 70% of the house price or construction cost;
Now living in public housing, renovation of housing, overhaul of self-housing, the loan amount shall not exceed 50% of the housing price or housing repair costs;
The loan amount for purchasing private houses shall not exceed 70% of the appraised value and transaction price of the houses;
The loan amount for the replacement of public housing shall not exceed 50% of the compensation fee for the replacement of public housing assessed by the replacement enterprise, and if the property right of public housing is purchased at the same time, the loan amount shall not exceed 50% of the compensation fee for the replacement of public housing assessed and the total sales price of public housing.
On March 30, 20 15, the central bank issued a notice: households with 1 apartment and outstanding mortgage apply for commercial loans to buy ordinary self-occupied houses again, and the minimum down payment ratio will be reduced to not less than 40%;
Use the provident fund loan to purchase the first set of ordinary self-occupied housing, and the minimum down payment ratio is 20%; Those who own 1 apartment and have settled their mortgage will apply for provident fund loans again to buy ordinary self-occupied housing, with a minimum down payment ratio of 30%.
3, the loan amount does not exceed a certain multiple of the balance of housing provident fund deposits.
The loan amount shall not exceed 15 times of the balance of the housing provident fund paid by both husband and wife of the borrower.
4, the loan amount does not exceed the maximum loan amount determined by the municipal housing reform leading group.
Organs, organizations, institutions, domestic-funded enterprises in accordance with the unified provisions of this Municipality to pay housing provident fund, or in accordance with the provisions of the approval to reduce the proportion of housing provident fund deposit, the maximum loan amount is 6.5438 million yuan;
Where the deposit ratio of any unit or individual of the borrower's husband and wife exceeds the deposit standard of organs, organizations, institutions and domestic-funded enterprises uniformly stipulated by our city, that is, the deposit ratio before July 2000 is higher than 7%, and the deposit ratio after July is higher than 8%, and the maximum loan amount is 6,543,800 yuan+0.2 million yuan.
Our city stipulates that the housing accumulation fund deposit ratio of foreign-invested enterprises is higher than that of domestic-funded units. Therefore, where foreign-invested enterprises and their employees pay the housing provident fund according to the prescribed proportion (the proportion before July 2000 was 12%, and the proportion after July 2000 was 13%), the maximum loan amount was 120,000 yuan.
The maximum amount and multiple of the balance of housing provident fund paid by both husband and wife of the borrower shall be adjusted by the leading group for urban housing system reform in accordance with the actual situation.
References:
Baidu encyclopedia-housing loan
Is there a limit on BOC e-loan in China Bank?
The amount of BOC E loan in China Bank is calculated according to your income, deposits, wealth management, mortgage, provident fund, individual tax, social security deposits and other information. , combined with the credit information of China People's Bank, and the maximum is 200,000 yuan.
Tips: According to the Interim Measures for the Administration of Online Loans of Commercial Banks, the pre-credit line and the upper limit of the approval line of BOC E-loan will be adjusted to 200,000 from 07: 00 on1October 29th. (Special note: customers who have activated the quota before adjustment are still limited by the activated quota. )
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.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.
What is the limit of commercial loan?
Because the loan banks are different, the loan amount is also different. According to the risk control standard of the loan company, the amount of commercial loans cannot exceed 70% of the value of real estate assessment, and 70% only meets the risk control standard, which does not represent the final mortgage rate. Commercial loans generally include personal housing loans and commercial loans. Different types of commercial loans have different amounts.
First-hand personal housing loan amount: if the first-hand personal housing loan amount is mortgaged by the purchased commodity housing or other commodity housing, the mortgage rate shall not exceed 80% at the highest. To apply for personal self-built housing loans, the mortgage rate shall not exceed 70%.
Commercial loan amount: the maximum amount of personal commercial loan can reach 3 million yuan.
Where pledge guarantee is adopted, the pledge rate shall be implemented in accordance with the relevant regulations of the loan bank, and the loan bank will review the amount applied by the borrower according to the specific circumstances, and the borrower needs to take the actual loan amount as the standard.
Agricultural Bank of China provides family farm loans to farmers with a maximum loan amount of100000 yuan. With family farms, borrowers who need loans can go to the Agricultural Bank of China to handle specific loan matters. The loan amount of each lending bank is different and cannot be generalized.
The limit of commercial loans is only a reference value, and few commercial loans can really reach the limit.
Is there a limit on the amount of third-party loans for BOC Class III accounts?
Transaction limit of third-party loan repayment bound to Class II and Class III accounts of Bank of China:
1, Class II account:
(1) Class II accounts can accept loans from our bank, and repayment can be made through Class II accounts, which is not subject to the limit control.
(2) The repayment of Class II accounts to third-party loan platforms is limited. The daily cumulative total limit of consumption payment, transfer to unbound account and cash withdrawal for Class II account is 6,543,800 yuan, and the annual cumulative total limit is 200,000 yuan.
Tertiary account:
(1) Class III accounts can accept small consumer loans from our bank and repay them through Class III accounts, provided that the balance does not exceed 2,000 yuan at any time.
(2) The repayment of Class III households to the third-party loan platform is controlled by the quota. The daily cumulative limit of consumption, payment and transfer to unbound accounts totals 2,000 yuan, and the annual cumulative limit totals 50,000 yuan.
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.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.