What is the loan amount of Fushun first suite provident fund?
1, Fushun first home provident fund loan amount refers to the large loan amount that individuals can apply for when using provident fund loans. Only employees who have permanent residence in local cities and towns, have established the housing provident fund system for more than 2 years, and have paid the housing provident fund according to regulations can enjoy the provident fund loan when the funds for purchasing or building houses or renovating or overhauling their own houses are insufficient.
2. The calculation of the loan amount of Fushun first home provident fund should be determined according to the repayment ability, the proportion of the house price and the balance of the housing provident fund account, and the calculated small value is the borrower's high loanable amount. The calculation method is as follows:
(1) The loan amount of Fushun first-home provident fund calculated according to repayment ability: [(total monthly salary of the borrower+monthly contribution of the housing provident fund of the borrower's unit) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month).
(2) The amount of Fushun first-home provident fund loan calculated according to the amount of spouse: [(total monthly salary of husband and wife+monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan period (month). Among them, the repayment ability coefficient is 40%; Total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio+individual contribution ratio).
(3) The loan amount of Fushun First Suite Provident Fund calculated by house price: the calculation formula is: loan amount = house price × loan ratio.
How long can Fushun first home provident fund loan last?
1. If you purchase Fushun commodity housing, price-limited commodity housing and targeted sales (resettlement) affordable housing, the loan period shall not exceed 30 years; The purchase of Fushun private housing shall not exceed 20 years; The purchase of Fushun's existing public property rights or the construction, renovation and overhaul of its own houses shall not exceed 10 years.
2. The sum of the borrower's age and the loan term shall not exceed 5 years after the statutory retirement age. The legal retirement age is generally calculated according to the age of 55 for women and 60 for men; Unless otherwise stipulated by the state, the retirement age shall be implemented according to its provisions, but the height shall not exceed 65 years old.
3. The long-term loan period of Fushun first-home provident fund lender shall not exceed the low value calculated by the above two methods.
The above is the amount of provident fund loan for Fushun's first home that I arranged for my friend. How long can I keep it? ? I believe that after reading some information on this issue, you can have a deeper understanding of the term and amount of provident fund loans. As the policy of provident fund loans will change, I suggest you pay attention to the website of the local provident fund management center at any time.