How to calculate the loan amount of Xiamen provident fund?
Xiamen housing provident fund loan amount = [(borrower's housing provident fund deposit base × 12×35%× loan period)+borrower's housing provident fund account balance ]× liquidity adjustment coefficient.
Among them, the balance of the housing provident fund account is the account balance when the borrower purchases a house or obtains the approval of the construction (housing management or planning) department for construction, renovation and overhaul; The liquidity adjustment coefficient is an adjustment parameter for the loan amount of the provident fund according to the different situations that the housing provident fund meets the needs of the paid employees. The loan utilization rate is 1.2 when it is below 75%, 1 when it is above 75% and below 95%, and 0.8 and above 100 when it is above 95% and below 100. In the second month when the loan utilization rate remains in the same range for three consecutive months, the corresponding liquidity adjustment coefficient shall be implemented. For details, please refer to our website (). When calculating the loan amount, the coefficient published by the provident fund center shall prevail. Loan applicants can calculate the amount of provident fund loans through the calculation tools on the website of the center.
What is the amount of Xiamen provident fund loan?
1, the upper limit of Xiamen provident fund loan is 800,000:
The new calculation formula of housing provident fund loan amount in our city is: housing provident fund loan amount = [(borrower's housing provident fund deposit base × 12×35%× loan period)+borrower's housing provident fund account balance ]× liquidity adjustment coefficient.
(1), Xiamen housing provident fund personal housing loan amount increased: if a single employee pays the housing provident fund, the maximum loanable amount of the housing provident fund personal housing loan is 400,000 yuan; If both employees pay the housing provident fund, the maximum loanable amount of the housing provident fund personal housing loan is 800,000 yuan. The calculation formula of loanable amount: 80 times of the amount of housing provident fund paid by employees 12 months before applying for loans.
(2) If both employees pay the housing provident fund, the maximum loanable amount of the housing provident fund personal housing loan is 800,000 yuan.
2, provident fund loan period:
From 20 14 and 1, it will be extended from 25 years to 30 years, and the loan period of housing provident fund for two or more borrowers will be determined according to the longer loan period.
3, provident fund loan interest rate:
According to the regulations of the People's Bank of China, the current effective interest rate is 4.00% for loans with a term of less than five years (inclusive) and 4.50% for loans with a term of more than five years. If the loan term is within 1 year (including 1 year), the principal and interest shall be repaid in one lump sum; If the loan term exceeds 1 year, two repayment methods are adopted: equal principal and interest or equal principal repayment.
The above is all about the amount of Xiamen Provident Fund loan brought to you by Bian Xiao, Jiazhuang.com. I hope it helps you. Want to know more about home improvement, please pay attention to Jiazhuang.com. ..