To calculate the amount of provident fund loan, it is necessary to know the base of the provident fund deposit of both husband and wife and the age of the applicant.
Within the current maximum loan limit of 300,000 yuan for [auction house] and 200,000 yuan for second-hand house, the actual loan amount of the loan applicant and spouse must meet the following two conditions at the same time (the amount is rounded to ten thousand yuan):
(1) loanable amount ≤ sum of the deposit bases of the borrower and spouse × 65438+February× loanable years× individual repayment ability coefficient (currently 0.4).
(2) The monthly repayment amount is less than or equal to the sum of the deposit bases of the borrower and spouse's provident fund.
The calculation of Yantai housing provident fund loan amount should be determined according to four conditions: repayment ability, house price and ceiling, and multiple of the balance stored in the housing provident fund account. The minimum value calculated by the four conditions is the borrower's higher loanable amount. The calculation method is as follows:
(1) The calculation formula for calculating the loan amount of housing provident fund according to the repayment ability is: [(the total monthly salary of the borrower or husband and wife+the monthly deposit amount of housing provident fund of the unit where the borrower or husband and wife work) × repayment ability coefficient-the monthly repayment amount of the existing loan of the borrower or husband and wife] × 12 (month )× loan period. Among them, the repayment ability coefficient is 40%, and the monthly repayment amount of the existing loan is the monthly repayment amount of the loan in the personal credit report of the borrower or husband and wife. Total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio+individual contribution ratio).
⑵ The formula for calculating the loan amount of housing provident fund according to the house price is: loan amount = house price × loan ratio, in which the loan ratio is determined according to the different types of houses purchased, the loan amount with a construction area of more than 90 square meters does not exceed 70% of the house price purchased, and the loan amount with a construction area of less than 90 square meters (inclusive) does not exceed 80% of the house price purchased; Purchase of private housing, targeted sales of affordable housing, fund-raising for building, public existing housing, construction, renovation and overhaul of self-owned housing, the loan amount shall not exceed 70% of the housing purchase price (housing evaluation value) or the cost of housing construction, renovation and overhaul.
⑶ Calculate the loan amount of housing provident fund according to the upper limit of the loan, with the upper limit of 400,000.
(4) The loan limit determined according to the multiple of the storage balance of the housing provident fund account shall not be higher than the loan limit determined according to the 20 times of the storage balance of the housing provident fund account of the borrower or husband and wife. If the balance of the housing provident fund account of the borrower or husband and wife is less than 6,543.8+0,000 yuan, it shall be calculated as 6,543.8+0,000 yuan.
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