Apply for individual housing provident fund loan in China Bank, with the loan amount as follows:
1. Purchase the first house: the maximum amount of personal loan is 500,000 yuan, and the maximum amount of family loan is 1 10,000 yuan; If the supplementary provident fund is paid, the maximum personal loan amount is 600,000 yuan, and the maximum family loan amount is 654.38+0.2 million yuan.
2. Purchase of an improved second apartment: starting from 20165438+1October 29th, the maximum loan amount 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 (500,000 yuan per person).
Note: If the online signing date of the borrower's house purchase contract is before 2065438+2006128 October (inclusive), the original policy shall prevail.
The above contents are for your reference. Please refer to the actual business regulations.
How to calculate the loan amount of provident fund
The netizen asked:
Hello, the state stipulates that you can get a loan after paying the provident fund on time for one year. I want to borrow money to buy a house at present. I don't know how much I can borrow from my provident fund. How to determine and calculate the loan amount of provident fund?
Case answer:
There are two ways to calculate the personal provident fund loan amount:
1. Provident fund loan amount = 15 times the balance of the provident fund accounts of borrowers and participants.
2. The loan amount of provident fund = the sum of the monthly contributions of the borrower and the borrower ÷ the contribution ratio × 12 months× the loan period ×40% (for borrowers who are more than 20 years away from the statutory retirement age and have applied for a loan period of more than 10 years, it can be calculated by a factor of 50%). The loan amount can be determined by the higher result of the above two calculation methods.
For example, Mr. Guo has paid the provident fund 1 year and 8 months, and paid it into 500 yuan every month. At present, the balance of the provident fund account is 1 ten thousand yuan. If he wants to apply for a loan with a repayment period of 30 years, what is the maximum amount he can borrow?
According to the first method: the maximum amount: 10000 yuan multiplied by 15 = 15000 yuan. If calculated according to the second method, the maximum amount will reach 500,000 yuan.
(The above answers were published on 20 13-08- 19. Please refer to the current actual purchase policy. )
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Calculation formula of provident fund loan amount in 2022
The amount of 2022 provident fund loan is calculated according to the following requirements, and the minimum amount is determined.
The calculation formula of (1) is as follows:
(Monthly contribution of the borrower and the auxiliary borrower to the provident fund/contribution ratio ×A× 12 (month) annual contribution of the borrower and the auxiliary borrower to the provident fund )× loan period;
Note: A is the repayment ability coefficient, which is now set at 0.35.
(2) The maximum loan amount of the aided borrower is 200,000 yuan, and the maximum loan amount of 6,543,800 yuan is unilaterally paid into the provident fund. At the same time, the loan amount for the purchase of various types of housing shall not exceed the corresponding proportion, as follows:
Commercial housing: 80% of the total house price;
Existing house: 70% of the total house price;
Second-hand housing and mortgage purchase: 60% of the lower transaction price and evaluation price;
Combination house: 70% of the total house price (sum of provident fund loan and commercial loan).
legal ground
"Regulations on the Management of Housing Provident Fund" Article 25 The employee's withdrawal of the storage balance in the housing provident fund account shall be verified by the unit to which he belongs, and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.
Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that 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. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
How to calculate the amount of provident fund loans? The most complete formula is here.
After paying the provident fund for so long, do you really want to know how much you can borrow?
At present, the maximum loan amount in Wuhan is 500,000. In addition to the number of houses, down payment ratio, loanable ratio and other factors, there are two calculation formulas. Let's look at these two formulas!
First, the actual repayment ability
Loan amount = (the sum of the borrower's monthly contribution to the provident fund/the contribution ratio of units and individuals) 35% 12 months loan period.
Monthly payment refers to the amount paid by units and individuals into the provident fund.
The deposit ratio is generally 8%- 12%.
For example, Xiaoming is going to apply for a 20-year provident fund loan. Every month, his units and individuals will each pay the 600 yuan Provident Fund, with the contribution ratio of 12%. Then Xiaoming's loan amount = (600600)/(12%12%) 35%1220 = 420000 yuan.
Second, the housing provident fund deposit situation
Loan amount = (balance of borrower's provident fund deposit, balance of spouse's provident fund deposit) 20 times the time coefficient of borrower's deposit.
For example, Xiaoming's account has 20,000 yuan, and he has paid the provident fund for less than two years. Then according to this formula, Xiaoming's loan amount = 20000200.8 = 320,000 yuan.
The above two formulas combine your loan conditions to judge the loanable ratio, and finally take the lowest value as your loanable amount. Let's do the math quickly!
Of course, the specific loan amount is subject to the trial calculation of the provident fund system of the loan bank, and you can also take your ID card to the central cabinet of the provident fund for an interview!
How to calculate the interest on provident fund loans?
Calculation method of housing provident fund loan interest;
(1) The interest rate conversion formula for RMB business is (note: common for deposits and loans)
1. daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷30.
2. Monthly interest rate (‰) = annual interest rate (%)÷ 12
(two) banks can use the product interest method and the transaction interest method to calculate interest.
1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is:
Interest = cumulative interest-bearing product × daily interest rate, where cumulative interest-bearing product = total daily balance.
2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:
If the interest-bearing period is a whole year (month), the interest-bearing formula is:
(1) interest = principal × annual (monthly )× annual (monthly) interest rate.
If the interest-bearing period is a whole year (month) and days, the interest-bearing formula is:
(2) Interest = principal × year (month )× year (month) interest rate principal × odd days × daily interest rate
At the same time, banks can choose to convert all interest-bearing periods into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is as follows:
(3) Interest = principal × actual days × daily interest rate
These three formulas are essentially the same, but because the interest rate conversion is only 360 days a year, when calculating the actual daily interest rate, it will be calculated as 365 days a year, and the result will be slightly biased. Which formula is used specifically, the central bank gives financial institutions the right to choose independently. Therefore, the parties and financial institutions can agree on this in the contract.
(3) compound interest
Compound interest means adding interest at a certain interest rate. According to the regulations of the central bank, if the borrower fails to repay the interest at the time agreed in the contract, it will be charged with compound interest.
(4) Penalty interest
If the lender fails to repay the bank loan within the prescribed time limit, the bank will call the penalty interest paid to the non-defaulting party according to the contract signed with the parties as the bank penalty interest.
(5) loans overdue liquidated damages.
The nature is the same as the penalty interest, and the penalty measures for the breaching party.
(six) the formulation and filing of interest calculation methods
The interest-bearing settlement rules and methods for deposit and loan business formulated by national commercial banks as legal persons shall be reported to the head office of the People's Bank of China for the record, and the customers shall be informed; Regional commercial banks and urban credit cooperatives should be reported to the branches of the People's Bank of China and the central branch of the provincial capital for the record, and inform customers.
1. If a company is willing to buy housing provident fund for you, it will be more attractive than other companies. Everyone wants to buy a house and a car to make money, and the housing provident fund can make it much easier for everyone to buy a house. The interest rate of provident fund loans in 20 19 has not changed, and it is still implemented according to the adjusted interest rate of 20 15 10.24. The interest rate of provident fund loans is the same all over the country. At present, the interest rate of provident fund loans within five years is 2.75%, and the interest rate of loans over five years is 3.25%.
Although the interest rate is fixed, everyone has different repayment methods. In this way, the same loan amount, loan term and loan interest rate will still be different. For example, the provident fund loan is 6,543,800 yuan with a service life of 30 years, and the repayment method in average capital is adopted. As long as the monthly repayment is 4,352.06 yuan and the total interest is 566,742.75 yuan, the same amount is adopted.
When the balance of the provident fund account is 18000, how much can I borrow?
1. The deposit base 12 times, and the base of 18000 can be loaned by 2 16000 yuan, with a maximum loan of 600,000 yuan.
Second, specifically:
If the provident fund account has XXX yuan, how much can I borrow? Take 1W as an example:
1. If the diplomatic relations have been broken at present, individuals can borrow up to 400,000 yuan; At the same time, the spouse housing provident fund loan can be used up to 600 thousand.
2. Deposited: individuals can borrow up to 500,000 yuan; At the same time, the spouse housing provident fund loan is used, and the spouse provident fund is also in the state of deposit, so the maximum loan can be 700,000.
3. Calculation formula of personal provident fund loan amount: (monthly deposit amount × total months of legal retirement age) ×2:
1) From the formula, we can see that the loan amount is not only related to the balance of your provident fund, but also related to the monthly deposit amount and the total deposit period. You can calculate it according to your own situation. It should be noted that the loan amount cannot exceed the maximum loanable amount. And everyone should pay special attention to the local provident fund loan policy when using housing provident fund loans, which varies slightly from place to place.
2) Case:
If the borrower is female, 30 years old. At present, the provident fund is being paid, with a balance of 6,543,800 yuan. Monthly payment 700 yuan, retirement age 60. You can borrow at most: (700301210000) × 2 = 524000.
Three, provident fund loans need to meet the following conditions
1, with XX permanent residence or valid residence certificate.
2. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans.
3. Before applying for a loan, the housing provident fund shall be paid in full and continuously for at least 6 months, and in some cities it shall be at least 12 months.
4. Purchase, build, rebuild and overhaul self-occupied ordinary houses (excluding houses) within the municipal area of XX, and have relevant procedures and certificates, and have delivered a prescribed proportion of self-raised funds.
5. Have full capacity for civil conduct, have a stable occupation and income, have the ability to repay the principal and interest of the loan, and have good credit.
6. There are no outstanding housing provident fund loans. In addition, one spouse has applied for a housing provident fund loan, and neither spouse can get a housing provident fund loan until the principal and interest of the loan are paid off.
7. Not reaching the statutory retirement age (if it is otherwise stipulated by the state that it can be extended, it shall be implemented according to its provisions, but not exceeding 65 years of age).
8 provident fund loans shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.
9. It should be noted that the loan amount shall not exceed the maximum loanable amount. And everyone should pay special attention to the local provident fund loan policy when using housing provident fund loans, which varies slightly from place to place.
So much for the case introduction of provident fund loan calculation.