The loan amount of housing provident fund can only be determined by comprehensive calculation.
The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower.
The calculation method is as follows:
According to the repayment ability calculation formula, {(total monthly salary of the borrower, monthly contribution of the housing provident fund of the borrower's unit) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan }× loan period (month), {(total monthly salary of both husband and wife, monthly contribution of the housing provident fund of both husband and wife's work units )× repayment ability coefficient-total monthly repayment amount of both husband and wife's existing loan }× loan period (month). Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution);
According to the calculation formula of house price, loan amount = house price × loan ratio, in which the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans;
According to the account balance, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than 10 times of the housing provident fund account balance when the employee applies for a loan (if the spouse housing provident fund is used to apply for a housing provident fund loan at the same time, it is the sum of the employee's and spouse's housing provident fund account balances), and if the housing provident fund account balance is less than 20,000, it shall be calculated as 20,000;
According to the maximum amount, the maximum loan amount for applying for housing provident fund loans with my own housing provident fund is 400,000 yuan, the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 600,000 yuan, the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 500,000 yuan, and the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 700,000 yuan.
2. How much can I get with a monthly salary of 3,000 provident fund loan?
Supplementary question: How much can I borrow? Some people on the Internet say that I can get 600,000 yuan at most, but I don't think we can lend you a small amount of provident fund every month, so it will take you a long time to get a larger loan amount.
3. How much can I borrow with a monthly salary of 3,000 yuan?
The loan amount of housing provident fund can only be determined by comprehensive calculation.
The calculation of provident fund loan amount should be based on the balance of housing provident fund account and the maximum loan amount. The minimum value calculated by the four conditions is the maximum loanable amount of the borrower.
The calculation method is as follows:
According to the repayment ability calculation formula {(the total monthly salary of the borrower and the monthly contribution of the housing provident fund of the borrower's unit) × repayment ability coefficient-the monthly limit of the borrower's existing loan (the number of months) and the amount of the spouse's quota {(the total monthly salary of both husband and wife and the monthly contribution of the housing provident fund of both husband and wife's work unit )× repayment ability coefficient-the monthly repayment amount of the existing loan of both husband and wife). Among them, the repayment ability coefficient is 40 gold months (unit deposit ratio and personal deposit ratio);
According to the calculation formula of house price, loan amount = house payment ratio is determined according to the number of houses purchased, built and repaired;
According to the account balance, the post quota shall not be higher than 10 times of the housing provident fund account balance (the sum of the housing provident fund account balances of employees and spouses) when employees apply for loans, and the housing provident fund account balance is less than 20,000.
According to the maximum amount, if I use my own housing provident fund to apply for a housing loan of 400,000 yuan and my spouse's housing provident fund at the same time, the maximum loan amount is 600,000 yuan; if I use my own housing provident fund to apply for housing provident fund and pay supplementary housing provident fund regularly, the maximum loan amount is 500,000 yuan, and if I use my spouse's housing provident fund to apply for a housing provident fund loan and my spouse or I normally repay the housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.
4. How much can I borrow for a gold 3000?
A provident fund base of 3,000 can borrow 60,000. Under normal circumstances, the calculation formula of provident fund loan based on the balance of provident fund account is that the amount of provident fund loan is equal to the balance of lender's provident fund account multiplied by 20. The deposit base of housing provident fund is to calculate the deposit amount of housing provident fund according to the deposit base, and the deposit base of employee housing provident fund is the average monthly salary of the employee himself in the previous year.