How to determine the specific loan amount: 1. Calculate the monthly income of myself and the applicant: monthly income = monthly contribution of individual housing provident fund ÷ contribution ratio of housing provident fund; 2. Calculate the maximum loanable amount: the maximum loanable amount is the remaining amount after deducting the living expenses of at least 1.204 yuan from the monthly income of the family, and then dividing it by the monthly repayment amount per 10,000 yuan of loans during the loan application period. 3. For the specific loan amount, the maximum amount of a single loan, the maximum loanable amount, the minimum down payment and the assessed value of the collateral should be considered at the same time. 2. What conditions do Beijing provident fund loans need to meet? 1. At the time of application, the loan applicant should continuously deposit the housing provident fund for more than half a year (inclusive) and his housing provident fund account is in a normal deposit state; Retirees who have paid housing provident fund before retirement; 2. The loan applicant must be qualified to buy a house in Beijing; Apply for housing provident fund and personal housing loan to pay the house price of the purchased house; 3. There is no outstanding housing provident fund personal housing loan (including policy discount loan) under the name of the loan applicant's husband and wife; 4 existing loan records (including commercial housing loans, housing provident fund personal housing loans) and housing situation in this city, no housing loan records and no housing in this city. At the same time, for loan applicants whose divorce date is after 2065438+March 24, 2007 (inclusive), if they apply for housing provident fund personal housing loans within one year of divorce, the second home loan policy will be implemented. Three. Beijing provident fund loan interest rate Beijing provident fund loan interest rate is divided into the first home loan interest rate and the second home loan interest rate. The benchmark interest rate of the first home loan does not rise, that is, the interest rate for less than 5 years (including 5 years) is 2.75%, and that for more than 5 years is 3.25%. The benchmark interest rate of the second suite rises 10%, that is, the interest rate for less than 5 years (including 5 years) is 3.025%, and the interest rate for more than 5 years is 3.575%. If it is the third suite, it is impossible to apply for a provident fund loan.
Legal objectivity:
In view of the problem raised by some buyers that "the balance of provident fund in the provident fund account is zero, so the amount of provident fund loan is zero", the amount of Beijing housing provident fund loan is not calculated according to the balance in the lender's provident fund account. At present, the maximum amount of a single housing provident fund loan is 400,000 yuan; The loan amount can be increased by 30% to 520 thousand yuan for loan applicants whose credit rating is AAA in the personal credit evaluation report; The AA category can increase by 15% and reach 460,000. The calculation formula of the maximum loanable amount of the housing accumulation fund of this city is: the remaining amount after deducting the monthly living expenses of at least 400 yuan from the monthly income of the borrower's family (monthly income = the monthly contribution amount of the employee's individual housing accumulation fund ÷ the contribution ratio of the employee's housing accumulation fund), and then dividing it by the monthly repayment amount per 10,000 yuan during the loan application period, which is the maximum loanable amount. At the same time, the specific loan amount and term must meet the requirements of single maximum loan amount, maximum loanable amount and minimum down payment. For example, if you apply for a housing provident fund loan, the individual will pay the housing provident fund in 200 yuan every month, with a deposit ratio of 8%, and the spouse will pay the housing provident fund every month with a deposit ratio of 8%. The loan application period is 10 year, and the purchased house is affordable, with a total house price of 400,000 yuan, so you can borrow at most 330,000 yuan. In addition, the current provident fund loan contract stipulates that early repayment is actually a unilateral breach of contract, so the defaulting party should bear the liability for breach of contract in accordance with the contract, such as paying liquidated damages. However, at present, there is no such provision in the provident fund loan contract, but it is agreed to repay in advance. The specific provision is that after you pay off the principal and interest of the current month, you can repay part or all of the loan in advance. Interest is not charged on part or all of the loan principal repaid in advance after repayment. If the loan is not paid off in full in advance, the prepayment amount of some loans must be an integer multiple of 10000 yuan, at least 10000 yuan. For the remaining loan amount, you can choose to recalculate the monthly repayment amount without changing the loan term, or shorten the loan term appropriately without changing the monthly repayment amount. It is understood that the purchase of owner-occupied housing, you can withdraw the provident fund, but the cumulative withdrawal amount can not be greater than the total purchase price. If you buy a house with a loan, you can also withdraw the provident fund quarterly or annually after buying a house. But one thing to remind you is that when you withdraw the provident fund, you must keep at least one month's deposit in your provident fund account.