The down payment shall not be less than 20% of the purchased house price, and the loan amount shall not be higher than 80% of the purchased house price. Purchase of commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sales of affordable housing or self-owned housing, renovation and overhaul of self-owned housing, the loan amount shall not exceed 70% of the cost of building or repairing housing, and the loan amount shall not be higher than 70% of the purchase price of housing.
1, [(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 period (month).
2. Where the spouse 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 term (month). Among them, the repayment ability coefficient is 40%.
3. Total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio and individual contribution ratio) Loan amount calculated according to repayment ability.
4. Employees' families (including employees)
If an employee buys a second house with a family loan, the down payment shall not be less than 50% of the house price, and the loan amount shall not be higher than 50% of the house price.
Workers' family loans to buy third and above houses will suspend the issuance of personal housing provident fund loans.
5. The loan amount calculated according to the house price
The calculation formula is: loan amount = house price × loan ratio.
Among them, the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans.
Extended data:
Personal housing commercial loan: it is a kind of loan that China citizens apply to the bank to buy commercial housing, and it is a self-operated loan issued by the bank with its credit funds.
Specifically, a natural person with full capacity for civil conduct applies to the bank for a commercial housing loan as a loan repayment guarantee when purchasing a self-occupied house in a town in this city, with the purchased property housing (or other guarantee methods recognized by the bank) as collateral.
Mortgage loan is a kind of commercial loan.
Housing provident fund loans: refers to the housing mortgage loans entrusted by local housing provident fund management centers by commercial banks to employees who have paid housing provident fund and retired employees who have paid housing provident fund during their employment.
Compared with commercial housing loans, housing provident fund loans have the advantages of lower interest rate, flexible repayment method and low down payment ratio, but the disadvantages are cumbersome procedures and long approval time.
Percentage of commercial loans:
1. The maximum loan ratio for second-hand houses is 70% of the low value between the total purchase price and the appraised house price. The loan amount varies according to different banks, subject to the requirements of the lending bank.
2. The longest loan period is 30 years, and the borrower is no more than 65 years old for men and no more than 60 years old for women.
3. The loan interest rate shall be subject to the relevant provisions of the People's Bank of China. See personal housing commercial loan interest rate table.
Housing provident fund loan amount:
1. Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 400,000 yuan; The maximum amount of individual housing provident fund loans in Guangzhou is 500,000 yuan.
2. The maximum loan amount of housing provident fund shall not exceed 70% of the total purchase price.
3. If the deposit ratio of husband and wife is inconsistent, the actual deposit ratio shall be determined by the party with higher proportion.
4. Not higher than the loan limit determined according to the repayment ability of the loan applicant and spouse.
Reference knowledge source: Baidu Encyclopedia-Mortgage
The relationship between loan amount and income teaches you how to calculate loan amount according to income.
As many friends know, the higher the income level, the larger the loan amount. So is the relationship between loan amount and income really that simple? How do we calculate the loan amount according to income? Today, I will give you a detailed answer.
As mentioned above, the loan amount is really affected by income, and it has a great influence. Applicants with the same conditions can usually get higher loans if one party has a higher income level, because many lending institutions stipulate that the monthly repayment amount cannot be higher than 50% of the applicant's income, so the relationship between the total loan amount and income is positively related. However, the problem is not so simple. The increase of income level does not guarantee the increase of loan amount. Many lending institutions have a minimum income level for applicants. However, when the loan amount reaches a certain stage, lending institutions pay more attention to the applicant's mortgage assets or guarantees, rather than paying too much attention to income. The relationship between loan amount and income is not always positively correlated.
So how much should I borrow according to my income?
First of all, the regulation of the lending institution is that it cannot exceed 50% of the income, and this 50% is the upper limit of the applicant's loan. From the applicant's point of view, too many loans will also make the monthly payment too high and affect the comfort of life. On the other hand, the monthly repayment amount should not be too low, so in a fixed loan cycle, the amount of loans can be very low. Generally, the best monthly repayment amount is 30% of income, which can not only get a good loan amount, but also cause great pressure on life.
In short, the relationship between the loan amount and income is: take 30% of personal income as the monthly repayment amount, and multiply it by the number of loan periods to get the loan amount suitable for income.
How to calculate the loan interest? What is an interest calculator?
The calculation formula of the loan annual interest rate is: interest = the annual interest rate of the loan amount. If the loan is 654.38 million yuan, the term is 1 year and the annual interest rate is 4.35%, then the interest to be repaid is: 10000 14.35 = 4350 yuan. I suggest you calculate the interest yourself and then borrow again.
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date.
Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use the funds, which is the use price of the funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator.
In civil law, interest is the legal fruit of principal.
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How to calculate the proportion of income repayment
Calculation formula of matching principal and interest loan: monthly repayment amount (referred to as monthly principal and interest) = loan principal x monthly interest rate x [( 1 interest rate) repayment months ]/[( 1 interest rate) repayment months ]- 1)2.
Calculation formula of average capital loan: monthly repayment amount (referred to as monthly principal and interest) = (loan principal/repayment months) (principal-accumulated amount of repaid principal) x monthly interest rate. Later, the amount gradually decreased.
Extended data:
Loan method
Small and medium-sized enterprises' skills in obtaining bank loans;
Establish a good relationship between banks and enterprises. Pay attention to credibility. Investment projects should write a feasibility study report, highlighting the characteristics of the project. Choose the right loan opportunity. Get the support of SME guarantee institutions.
Risk loan
Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has engaged in production and operation activities, applies for the capital demand for starting or re-starting, and is recognized by the bank and provides effective guarantee. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability.
Mortgage loan/securities loan
For those who need to start a business, they can flexibly use personal consumption loans to start a business. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan amount is 300,000 yuan. Business needs to buy commercial housing along the street, you can apply for commercial housing loans from the bank with the proposed house as collateral. The loan amount generally does not exceed 60% of the appraised value of the proposed commercial house, and the longest loan period does not exceed 65,438+00 years.