1. Calculated by multiple of personal account balance:
The calculation formula of the loanable amount of Suzhou provident fund loan is: the sum of the personal account balances of borrowers (including those who participate in the calculation of loanable amount) × 10 (times).
If the sum of individual account balances is less than 6,543,800 yuan, it shall be calculated as 6,543,800 yuan. If low-and middle-income families with housing difficulties buy affordable housing, the maximum loan amount can reach 30,000 yuan.
Second, according to the repayment ability:
The formula for calculating the loanable amount is: the sum of the monthly salary bases of the loan applicants (including those who participate in the calculation of loanable amount and the loan applicants) who deposit the housing provident fund ×35% (specified proportion )×12 (month )× loan period (year).
In addition, the loan amount of Suzhou Provident Fund shall meet the following requirements:
1, not exceeding the maximum loan limit
(1) If two or more loan applicants and * * * loan applicants (inclusive) participate in calculating the loanable amount, the maximum loan amount is 700,000 yuan; If only the loan applicant participates in the calculation of the loanable amount, the maximum loan amount is 450,000 yuan.
(2) If the provident fund loan is used for the first time to purchase ordinary housing with a construction area of 90 square meters or less, and the total housing price does not exceed 165438+ ten thousand yuan, the maximum loan amount is 80% of the total housing price.
2. It shall not exceed the difference between the total house price and the down payment paid.
3. If you choose to calculate the loanable amount by multiple of the balance of your personal account, the monthly repayment amount (the principal and interest calculated by equal amount) shall not exceed 50% of the sum of the loanable amount calculated by the borrower and * * * and the sum of the deposit base of the borrower's housing provident fund.
Editor's Note: Through the simple and rude calculation method of Suzhou Provident Fund loan amount introduced above, have you worked out how much loan amount you can apply for? Provident fund loan exists in our life, and it is not a distant concept. Get to know these related knowledge early and lay a good foundation for the future loan life.