The maximum loanable amount of general provident fund loans is 6,543,800 yuan, of which the loanable amount of single deposit employees does not exceed 500,000 yuan.

The calculation method of the loanable amount of provident fund is as follows:

1, calculated by account balance. The first method is to calculate according to the account balance of housing provident fund. The loan amount cannot exceed 65,438+00 times of the account balance. If the loan is for both husband and wife, it cannot exceed 10 times of the total balance of two provident fund accounts. Less than 20,000, calculated as 20,000.

2. according to the maximum. If the individual has cut off the provident fund, the loan from the provident fund cannot exceed 400,000 yuan, and the loan from the husband and wife provident fund cannot exceed 600,000 yuan. If the provident fund is not cut off, the maximum loan is 500,000, and the maximum loan for both husband and wife is not more than 700,000;

3. Calculated according to repayment ability. The amount of provident fund loan is (monthly deposit, legal retirement age, total number of months, balance of provident fund account).

The loan amount of individual housing provident fund depends on the borrower's repayment ability and comprehensive qualification, as well as the balance of housing provident fund account, housing appraisal value, local market conditions and other factors.

legal ground

Regulations on the administration of housing provident fund

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.

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Calculation of the amount of provident fund loans

The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, the proportion of provident fund loan to house price, the balance of housing provident fund account and the 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:

Loan amount calculated according to repayment ability: (total monthly salary of the borrower, monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan × loan term (month). If the spouse's quota is used, (total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife × 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);

Loan amount calculated according to house price: loan amount = house price × loan ratio. The loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage sets;

According to the loan amount calculated by the balance of the housing provident fund account, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when the employee applies for a loan (at the same time, using the spouse housing provident fund to apply for a provident fund loan is the sum of the balance of the employee's own and spouse's housing provident fund account), and if the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000;

According to the loan amount calculated by the maximum loan amount, if I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. I use my housing provident fund to apply for a housing provident fund loan, and if I normally repay the housing provident fund when applying for a loan, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.

What is the formula for calculating the loan amount of provident fund?

Calculation method of provident fund loan amount

The maximum amount of personal provident fund loan is 400,000 yuan, calculated according to the following requirements (the minimum amount is the amount of provident fund loan):

1, sum of monthly salary income of the borrower and * * the same repayment person × 12 (month )× 40 %× loan period (monthly salary income = monthly contribution of provident fund ÷ payment rate).

2. The purchase of the first self-occupied housing with a construction area of less than 90 square meters shall not exceed 80% of the total purchase price;

The purchase of the first self-occupied housing with a construction area of more than 90 square meters shall not exceed 70% of the total purchase price;

The purchase of the second self-occupied house shall not exceed 50% of the total purchase price, and the interest rate shall be 1. 1 times the benchmark interest rate.

3. The total price of second-hand houses is the lowest value of transaction and evaluation price.

4. The repayment ability coefficient is tentatively set at 0.4.

5. The Borrower and * * * co-borrower are only husband and wife. Unmarried children may consider choosing one of their parents as * * * co-borrower.

6. When applying for a second loan, you must invite all the previous loans.

Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to provide mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their working life. According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.

Letter of credit clause

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

How to calculate the loan amount of provident fund

The calculation method of housing provident fund loan amount is: evaluation price-evaluation price down payment ratio. If the borrower's unilateral deposit status meets the housing provident fund loan conditions, the maximum single loan amount shall not exceed 400,000 yuan; The deposit of both husband and wife meets the conditions of housing provident fund loan at the same time, and the maximum single loan amount does not exceed 600,000 yuan.

legal ground

Article 6 of the Regulations on the Management of Housing Provident Fund

The deposit and loan interest rate of housing provident fund is proposed by the People's Bank of China. After soliciting the opinions of the construction administrative department of the State Council, it is reported to the State Council for approval.

Article 26

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

skill

The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

How to calculate the loan amount of housing provident fund?

1. Calculate the loan amount according to the repayment ability.

The calculation formula is:

[(total monthly salary of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan term (month).

2. Use according to spouse's quota

[(total monthly salary of husband and wife, monthly housing accumulation fund contribution of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan period (month).

The repayment ability coefficient is 40%.

Total monthly salary = monthly contribution of provident fund ÷ (proportion of unit contribution and proportion of individual contribution).

3. Calculate the loan amount according to the house price.

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

4. The loan amount calculated according to the loan ceiling.

Apply for housing provident fund loans with self-owned housing provident fund, with a maximum loan amount of 400,000 yuan; Spouse housing provident fund is also used to apply for housing provident fund loans, and the maximum loan amount is 600,000 yuan. I use my housing provident fund to apply for housing provident fund loans, and generally pay supplementary housing provident fund when applying for loans. The maximum loan limit is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and I or my spouse normally deposit supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.

1, personal loan line

The personal loan amount of employees is calculated and determined by a certain multiple of the monthly average balance of the housing provident fund account (at present, the multiple of Hangzhou main city, Xiaoshan District, Yuhang District and Fuyang District is determined by 15 times).

2. Average monthly balance of the account

The average monthly balance of the employee housing provident fund account is the average monthly balance of the employee housing provident fund account for nearly 12 months (excluding the month of application) (excluding the one-time payment for nearly 12 months), and the shortage of 12 months is calculated according to the actual number of months.

3. Maximum loanable amount

The maximum amount of housing provident fund loans is 6,543,800 yuan, of which the amount of individual loans paid to employees does not exceed 500,000 yuan. The calculation result of personal loanable line is rounded to thousands, the amount below 6,543.8+0.5 million yuan is determined to be 6,543.8+0.5 million yuan, and the amount above 500,000 yuan is determined to be 500,000 yuan.

4. Specific approved quotas

The specific approved loan amount is determined according to the national individual housing loan policy and the relevant provisions of provident fund loans, and after comprehensively analyzing the conditions, prices, family credit status, repayment ability and other factors of the housing purchased by the borrower.

This is the end of the introduction to the calculation of provident fund loan limit.