For those who can borrow 500,000 yuan, the provident fund can borrow about 320,000 yuan, and the commercial loan 1.8 million yuan.
The specific calculation is as follows:
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 (longest loanable term).
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. The loan interest rate is 4.9% of the benchmark interest rate. According to the repayment method of equal principal and interest, the monthly payment is calculated by using the 360 mortgage calculator as follows:
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:
There are two common housing loans: personal housing commercial loans and housing provident fund loans.
1, personal housing commercial loan
Personal housing commercial loan is a kind of loan that China citizens apply to the bank for the purchase of commercial housing, and it is a self-operated loan issued by the bank with its credit funds. Specifically, a natural person with full capacity for civil conduct applies to the bank for a commercial housing loan as a loan repayment guarantee when purchasing a self-occupied house in a town in this city, with the purchased property housing (or other guarantee methods recognized by the bank) as collateral.
The loan ratio is as follows:
1. The maximum loan ratio for second-hand houses is 70% of the low value between the total purchase price and the appraised house price, and the loan amount fluctuates according to different banks, depending on the requirements of the banks.
Two, the longest loan period is 30 years, and the borrower's age within the loan period is not more than 65 years for men and 60 years for women.
Three, the loan interest rate in accordance with the relevant provisions of the people's Bank of China.
The loan amount is affected by the following factors:
First, the mortgage down payment ratio. The amount of bank loan application is affected by the down payment ratio of the loan, and usually cannot exceed the difference between the total house price and the down payment.
Second, the borrower's repayment ability. The repayment ability mentioned here mainly refers to the monthly income of the lender. The relationship between loan amount and monthly income can refer to the following formula: monthly income ≥ monthly mortgage payment X2.
Third, the age of the room. When issuing loans, banks will examine the age of the loan. Usually, the requirement is 20-25 years, the looser one will require 30 years, and the stricter one is only 15 or 10 years. Older second-hand housing loans may be reduced, and banks will simply refuse loans when they encounter strictness. It can be said that the younger the house, the easier it is to get a loan, and the loan amount is higher than that of the older one.
Fourth, personal credit reporting. Personal credit information can be said to be one of the important criteria for banks to consider borrowers. Good credit information is a prerequisite for obtaining preferential interest rates and loans. Some banks will look at the credit card credit records of borrowers within two years and the loan credit records within five years. Some banks will look at the credit information for a longer period of time, and the requirements are different. Three consecutive overdue and six serious credit reports may lead to loan rejection.
Fifth, the situation of security capacity. Some banks will also examine the borrower's payment of medical insurance, endowment insurance, accidental injury insurance and housing provident fund, because these can reflect the borrower's repayment ability from the side, among which medical insurance and endowment insurance are more important.
2, housing provident fund loans
Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment.
Compared with commercial housing loans, housing provident fund loans have the advantages of lower interest rates, flexible repayment methods and low down payment ratio, but the disadvantages are cumbersome procedures and long approval time.
The loan amount of housing provident fund is stipulated as follows:
First, most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 400,000 yuan; The maximum amount of individual housing provident fund loans in Guangzhou is 500,000 yuan, and that in Beijing is 800,000 yuan. If the rating is 3A, it can reach 800,000 (130%) =1040,000; if the rating is 2A, the loan can reach 920,000.
Second, the maximum loan amount of housing provident fund shall not exceed 70% of the total purchase price.
Three, the housing provident fund loan amount formula:
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 (longest loanable term).
If the deposit ratio between husband and wife is inconsistent, the actual deposit ratio shall be determined according to the higher ratio.