Calculation method of combined loan amount

The calculation of housing provident fund loan amount should be determined according to four conditions: repayment ability, multiple of provident fund balance, house price and maximum amount, and the minimum value calculated by the four conditions is the borrower's maximum loanable amount. The calculation method is as follows:

1. Calculate the loan amount of housing provident fund according to the repayment ability.

The calculation formula is: loan amount = [borrower's total monthly salary * (repayment ability coefficient+borrower's unit housing provident fund contribution ratio)+borrower's spouse's total monthly salary * (repayment ability coefficient+borrower's spouse housing provident fund contribution ratio) ]* 12 (month) * loan period.

In which the borrower's total salary = monthly payment/(unit contribution ratio+individual contribution ratio). The repayment ability coefficient is determined according to different loan terms, which is 35% within ten years (including ten years), 40% within ten to twenty years (including twenty years) and 45% within twenty to thirty years.

2. Calculate the loan amount of housing provident fund according to the housing price.

The calculation formula is: loan amount = house price * loan ratio.

Among them, the loan ratio is determined according to the different types of houses purchased, built and repaired. For the purchase of commercial housing, affordable housing, private housing or other houses that have obtained the Property Ownership Certificate, the loan amount shall not exceed 80% of the purchase price (the appraised value of the house); For the purchase of dilapidated houses, fund-raising housing, cooperative housing, public existing houses, construction, renovation and overhaul of self-owned houses, the loan amount shall not exceed 70% of the purchase price (housing appraisal value) or the cost of housing construction, renovation and overhaul.

3. Calculate the loan amount of housing provident fund according to the multiple of the deposit balance of housing provident fund.

The loan amount is determined according to 15 times of the total balance of the housing accumulation fund, supplementary housing accumulation fund or monthly housing subsidy account of the borrower or husband and wife. If the total balance of the borrower's or husband's and wife's account is less than 65,438+00,000 yuan, it shall be calculated as 65,438+00,000 yuan.

4. Calculate the loan amount of housing provident fund according to the maximum loan amount.

The maximum amount is 250,000 yuan; If the deposit ratio of housing provident fund is increased or the housing provident fund or monthly housing subsidy is paid normally, the maximum loan amount is 300,000 yuan.