Calculation of loan amount of housing provident fund
[(total monthly salary of the borrower, monthly contribution of the borrower's housing provident fund) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan term (month).
The loan amount for the purchase of various types of housing shall not exceed the corresponding proportion, as follows:
Existing house: 70% of the total house price;
Second-hand housing and mortgage purchase: 60% of the lower transaction price and evaluation price;
Combined housing: total commercial loans).
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Provident fund loan amount: refers to the loan amount that individuals can apply for when using provident fund loans. Only employees who have paid the housing provident fund for more than 2 years can enjoy the provident fund loan when the funds for purchasing houses are insufficient.
2. How much can Zhengzhou Provident Fund borrow with only 10,000 yuan?
The maximum loan limit of Zhengzhou Provident Fund is 700,000.
If the borrower and his wife normally deposit the housing provident fund in Zhengzhou housing provident fund management institution, the maximum amount of individual housing loan is 450,000 yuan; If the borrower unilaterally deposits the housing provident fund in the housing provident fund management institution of Zhengzhou City, the maximum amount of individual housing loan is 350,000 yuan.
Loan amount and calculation method:
Zhengzhou housing provident fund loan amount
(1), use the housing provident fund loan to purchase the first family housing. If the purchased property is an auction house, the loan amount shall not be higher than 70% of the total price of the purchased property; If the purchased house is a second-hand house, the loan amount shall not be higher than 60% of the total price of the purchased house.
(2) If the family already has a set of housing (including the housing shared by the borrower, spouse and purchaser, the same below), and then buys a second set of housing (including the stock house and the mortgage), if the housing provident fund loan is used, the loan amount shall not be higher than 40% of the total price of the purchased housing; For families who buy the third and above houses, housing provident fund loans will not be provided for the time being.
(3) The amount of remortgage loan shall not exceed 70% of the original purchase price and 60% of the total real estate appraisal price, and shall not exceed the limit of the principal balance of commercial loans;
(4) If the borrower unilaterally deposits the provident fund in Zhengzhou, the maximum single loan amount shall not exceed 300,000 yuan; If both husband and wife deposit provident fund in Zhengzhou, the maximum amount of a single loan shall not exceed 400,000 yuan. The maximum loan limit of Shang Jie sub-center and county (city) management department is 300,000 yuan.
(5) The specific loan amount of the borrower is determined according to the above conditions in combination with the borrower's age and family income.
Calculation method of provident fund loan amount
Loan amount calculated according to repayment ability
The calculation formula is:
[(total monthly salary of the borrower, monthly contribution of the borrower's housing provident fund) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan term (month).
Depending on the number used by the 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 term (month).
Among them, the repayment ability coefficient is 40%.
Total monthly salary = monthly contribution of provident fund ÷ (proportion of unit contribution and proportion of individual contribution).
Loan amount calculated according to house price
The calculation formula is: loan amount = house price × loan ratio.
The loan amount is calculated according to the maximum loan amount.
If I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. I use my housing provident fund to apply for a housing provident fund loan, and if I normally repay the housing provident fund when applying for a loan, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is.
Three, Zhengzhou provident fund loan amount calculation formula
Legal analysis: The calculation method of provident fund loan amount is as follows: 1. The calculation formula of the loan amount calculated according to the repayment ability is: [(total monthly salary of the borrower, monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month). 2. According to the amount used by the spouse [(the total monthly salary of both husband and wife, the monthly contribution of housing provident fund of both husband and wife's work units) × repayment ability coefficient-the total monthly repayment amount of existing loans of both husband and wife ]× loan period (month). Among them, the repayment ability coefficient is 40% of the total monthly salary, and the monthly contribution of the provident fund is ÷ (the ratio of unit contribution to individual contribution). 3. The calculation formula of the loan amount calculated according to the house price is: loan amount × loan ratio. 4. If the loan amount calculated according to the maximum loan amount uses my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan and the maximum loan amount is 600,000 yuan. Use my housing provident fund to apply for housing provident fund loans, and pay the supplementary housing provident fund normally when applying for loans. When the maximum loan amount is 500,000 yuan, use my spouse's housing provident fund to apply for housing provident fund loans, and when applying for loans, I or my spouse will pay the supplementary housing provident fund normally, with the maximum loan amount of 700,000 yuan. Legal basis: Article 6 of the Regulations on the Management of Housing Provident Fund, the deposit and loan interest rate of housing provident fund is proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council.
Four, living in Zhengzhou, how to calculate the amount of provident fund loans?
At present, the maximum amount of a single provident fund loan is 350,000, and both husband and wife have it, with a maximum amount of 450,000. At the same time, the use of provident fund loans also requires that the monthly income is at least twice the monthly payment.