Housing prices in Beijing are already very high, with an average price of 30,000-40,000. If you want to buy a suite, it will be several million. According to the down payment of 30%, it should be at least one million. Now Beijing's small partners apply for provident fund loans, with a maximum amount of 6.5438+0.2 million.
The loan amount of Beijing provident fund is based on the family, and the maximum amount is1.2000 yuan whether it is a one-person loan or a husband-and-wife loan.
Under normal circumstances, the purchase of policy housing or the first set of self-occupied housing with a construction area of 90 square meters or less, the maximum amount of a single housing provident fund loan is 6.5438+0.2 million yuan; Method for determining the specific loan amount:
1. Calculate the monthly income of myself and * * * the same applicant: monthly income = monthly contribution of individual housing provident fund ÷ contribution ratio of housing provident fund;
2. Calculate the maximum loanable amount: the maximum loanable amount is the remaining amount after deducting the living expenses of at least 1.092 yuan from the monthly income of the family, and then dividing it by the monthly repayment amount of every 10,000 yuan loan during the loan application period.
3. For the specific loan amount, the maximum amount, maximum loanable amount, minimum down payment, credit rating and assessed value of collateral of a single loan should be considered at the same time.
What is the loan amount of Beijing provident fund loan?
I. Upper limit of Beijing provident fund loan amount
20 17 Beijing provident fund loan ceiling has been determined. The minimum down payment ratio of the first and second housing provident fund personal loans is 20%, the maximum amount of the first home loan is 6.5438+0.2 million yuan, and the maximum amount of the second home loan is 800,000 yuan. Details are as follows:
1. For loan applicants who have no house in Beijing, the first set of self-occupied housing loan policy will be implemented, with the maximum loan amount of 1.2 million yuan, and the loan amount shall not exceed 80% of the appraised value of the house or the actual purchase price (whichever is lower).
2. For the loan applicants who own 1 apartment in Beijing and settle the corresponding personal housing provident fund loans (including housing provident fund policy-subsidized loans), the second set of housing loan policy shall be implemented, with the maximum loan amount of 800,000 yuan, and the loan amount shall not exceed 70% of the housing appraisal value or the actual purchase price (whichever is lower).
Therefore, no matter whether you apply for the city management or the state management provident fund loan to buy the first suite, regardless of the size of the house, the maximum loan amount is 6.5438+0.2 million yuan; The maximum loan amount for purchasing two sets of ordinary houses is 800,000 yuan, and in principle, it is not allowed to purchase non-ordinary houses.
2. How to calculate the loan amount of Beijing Provident Fund?
20 17 the method for determining the loan amount of Beijing provident fund is:
1. Calculate the monthly income of myself and * * * the same applicant: monthly income = monthly contribution of individual housing provident fund ÷ contribution ratio of housing provident fund;
2. Calculate the maximum loanable amount: the maximum loanable amount is the remaining amount after deducting the living expenses of at least 1.204 yuan from the monthly income of the family, and then dividing it by the monthly repayment amount per 10,000 yuan of loans during the loan application period.
3. What factors affect the loan amount of Beijing Provident Fund?
1. Personal monthly income: The higher the personal monthly income, the greater the amount of Beijing provident fund loans.
2. Monthly contribution of provident fund: monthly income is determined by the monthly contribution of provident fund, and monthly income = monthly contribution of individual housing provident fund ÷ contribution ratio of housing provident fund, so the larger the monthly contribution, the larger the monthly income and the larger the loan amount.
3. Loan term: The longer the loan term, the larger the loan amount.
Hope to adopt! ! !
Beijing housing provident fund loan amount
The maximum loan amount of Beijing housing provident fund is 6.5438+0.04 million.
The specific loan amount is determined as follows:
1. Calculate the monthly income of myself and * * * the same applicant: monthly income = monthly contribution of individual housing provident fund ÷ contribution ratio of housing provident fund;
2. Calculate the maximum loanable amount: the maximum loanable amount is the remaining amount after deducting at least 400 yuan's living expenses from the family's monthly income, and then divided by the monthly repayment amount per 10,000 yuan loan during the loan application period;
3. For the specific loan amount, the maximum amount, maximum loanable amount, minimum down payment, credit rating and assessed value of collateral of a single loan should be considered at the same time.
The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes. The deposit and loan interest rate of housing provident fund is proposed by the People's Bank of China. After consulting the construction administrative department of the State Council, it is reported to the State Council for approval.
Article 3 of the Regulations on the Management of Housing Provident Fund
The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.
How much can Beijing provident fund borrow?
The loan amount of the provident fund is calculated according to the following formula: (monthly contribution of the borrower and the auxiliary borrower to the provident fund/contribution ratio ×0.35×l2 (month) annual contribution of the borrower and the auxiliary borrower )× loan period. The maximum loan amount of the aided borrower is 200,000 yuan, and the maximum loan amount of the provident fund is 654.38+ 10,000 yuan. At the same time, the loan amount for the purchase of various types of housing shall not exceed the corresponding proportion.
What is the loan amount of Beijing provident fund?
1. The maximum loan limit of Beijing housing provident fund is about 550,000 yuan. If you borrow by yourself, the maximum amount is about 550,000, and you can also use the balance of supplementary provident fund to borrow, so you can borrow up to 620,000. If it is a national cadre, the maximum loan can be about 650,000. Borrowing in the name of husband and wife can be up to 800,000 yuan. If both of them are state officials, the maximum loan can be about 1.2 million yuan.
2. The emergency passage will arrive quickly!
3. At present, the maximum loan amount of the first suite of Beijing provident fund loan can reach 6.5438+0.2 million yuan. The minimum down payment ratio of personal loans for the second housing provident fund is 20%, the maximum amount of the first home loan is 654.38+0.2 million yuan, and the maximum amount of the second home loan is 800,000 yuan.