The minimum value calculated by the balance of the housing provident fund account and the maximum loan limit of the provident fund loan amount is the maximum loanable amount of the borrower.

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1. The formula for calculating the loan amount according to the repayment ability 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).

2. According to the quantity 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-monthly limit of existing loans of husband and wife (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).

3. Loan amount calculated according to house price:

The calculation formula is: loan amount = house price × loan amount.

4. The loan amount calculated according to the maximum loan amount:

The specific maximum amount varies from place to place, and the construction provident fund management center.

2. How much can I borrow from a 5000 Luohe Provident Fund account?

If the balance of the housing provident fund account is 5000 yuan, the general loan amount cannot exceed 50000 yuan. The loan amount is calculated according to the balance of the provident fund account. The loan amount cannot be higher than 10 times the balance of the housing provident fund account when the employee applies for a loan. At the same time, if the spouse's housing provident fund is used to apply for a loan, the loan amount is 10 times of the sum of the balance of the employee's own and his spouse's housing provident fund account.

Three, Luohe provident fund loan quota new standard

Legal analysis: (1) cannot exceed 80% of the purchase price (if the purchased house is not mortgaged, the loan cannot exceed 70% of the value of the mortgaged house; If the purchased house is mortgaged, the nature of the land is 80% of the maximum loanable house value transferred and 70% of the maximum loanable house value allocated); (two) the monthly repayment amount can not exceed the applicant's repayment ability (the monthly repayment ability is 50% of the salary base of the employee's monthly contribution to the provident fund); (3) The amount of a single loan shall not be higher than 15-20 times of the balance of the husband and wife's housing provident fund account (if the deposit balance is less than 10000 yuan, it shall be determined as 10000 yuan; If the deposit time is less than 1 year, it is 15 times of the balance; if the deposit time is longer than 1 year, it will increase by 1 year, with a maximum of 20 times); (four) shall not be higher than the maximum loan amount stipulated by our city; If the application amount does not exceed any limit, the application amount shall be taken as the loan amount; If it exceeds the limit, the minimum limit shall be the loan amount. Legal basis: Article 17 of the General Rules for Loans. Borrowers applying for loans should meet the following basic conditions: products have a market, production and operation are profitable, credit funds have not been misappropriated, and credit is strictly observed. First, the borrower should be able to repay the principal and interest on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been made; Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments. 3. basic account or general deposit account has been opened; 4. The borrower's asset-liability ratio meets the requirements of the lender. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

4. Urgent question about provident fund loan: My wife and I both work in Luohe, and everyone goes to work every month. ...

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