The amount of bank mortgage is comprehensively calculated according to factors such as house price, loan period, 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.

Based on the above three factors, the minimum value is the maximum loan amount.

The specific situation of the theme:

According to the loan term of 30 years, the amount of provident fund that subjects can borrow 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 a loan interest rate of 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 2,000 yuan 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 increased slightly.

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 = the sum of the total monthly wages of the borrower and his spouse ×× the repayment ability coefficient of the employee × 12 (month )× the 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 65,438+060 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 65,438+03%, so the borrower's monthly salary is 65,438+060 ÷ (8%+8.

2. The loan amount shall not exceed a certain percentage of the house price.

The purchase of commercial housing, cooperative housing, affordable housing (Anjufang) and self-built housing, the loan amount does not exceed 70% of the house price or construction cost;

Now living in public houses, rebuilding houses and overhauling self-occupied houses, the loan amount shall not exceed 50% of the house price or house repair cost;

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 and the total selling price of public housing.

2015 On March 30th, the central bank issued a notice: households with 65,438+houses and outstanding mortgages applied for commercial loans to buy ordinary self-occupied houses again, and the minimum down payment ratio was 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 house and have settled their mortgage will apply for provident fund loans again to buy ordinary self-occupied houses, with a minimum down payment of 30%. ?

3, the loan amount does not exceed a certain multiple of the balance of housing provident fund deposit.

The loan amount shall not exceed 15 times of the balance of 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.

If organs, organizations, institutions and domestic-funded enterprises pay housing provident fund according to the unified regulations of the whole city, or if the proportion of housing provident fund withdrawal is reduced with approval according to regulations, the maximum loan amount is 6,543,800 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 this Municipality, that is, the deposit ratio before July 2000 is higher than 7%, and after July, the deposit ratio is higher than 8%, and the maximum loan amount is 654.38+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