the calculation of provident fund loan amount should be determined according to four conditions: repayment ability, percentage of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower.
The calculation method is as follows:
According to the repayment ability calculation formula, {(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), and {(total monthly salary of both husband and wife+monthly contribution of the housing provident fund of both husband and wife )× repayment ability coefficient-monthly repayment ability coefficient of both husband and wife's existing loan. Among them, the repayment ability coefficient is 4%, and the total monthly salary = the monthly contribution of the provident fund ÷ (unit contribution ratio+individual contribution ratio);
according to the calculation formula of house price, loan amount = house price × loan percentage, in which the loan percentage is determined according to different types of houses purchased, built and repaired and the number of mortgage loans;
according to the account balance, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than 1 times the balance of the housing provident fund account when the employee applies for a loan (at the same time, applying for a housing provident fund loan with spouse's housing provident fund is the sum of the balance of the employee's and spouse's housing provident fund account); if the balance of the housing provident fund account is less than 2,, it shall be calculated as 2,;
according to the maximum amount, the maximum loan amount is 4, yuan for those who apply for housing provident fund loans with my own housing provident fund, 6, yuan for those who apply for housing provident fund loans with my spouse's housing provident fund, 5, yuan for those who apply for housing provident fund loans with my spouse's housing provident fund, and 7 yuan for those who apply for housing provident fund loans with my spouse's housing provident fund.