The policies of provident fund loans vary from place to place. The maximum loan ratio of provident fund second-hand housing loans in Chongqing is 70% of the lower value and turnover of purchased second-hand housing, in which the maximum personal amount of provident fund loan funds does not exceed 400,000 yuan, and it does not exceed twice the maximum personal amount (800,000 yuan) after participating in the loan.
The house is 2 years old, the appraised price is 7000 * 37 = 259,000 yuan, and the transaction price is 330,000 yuan. According to the regulations, the loanable amount is 25.9 * 70% of the appraised price (lower), = 18 13000 yuan. The minimum down payment is 77,700. Since the transaction price is 330,000 yuan and the loan is1813,000 yuan, your actual down payment (paid to the seller) is: 33-1813 =148,700 yuan.
The longest term of provident fund loans in Chongqing is 25 years. If the loan is 18 130000 yuan with a term of 25 years, the current benchmark annual interest rate of provident fund loans is 4.90%. If the interest rate does not rise, the monthly repayment amount is (there are two repayment methods):
1. Equal principal and interest method: the monthly repayment amount is 1049.33 yuan (the same every month), and the total interest is 133497.69 yuan.
2. Average capital method: the monthly repayment amount is different. The repayment amount in the first month is 1, 344.64 yuan (it will be reduced month by month, by 2.47 yuan per month), and the repayment amount in the last month is 606.80 yuan, with total interest of 1, 654,38+0,465,438+06.40 yuan.
Compared with the above two methods, the average capital method is 220,865,438+0.28 yuan less than the equal principal and interest method. The specific repayment method can be selected when the bank handles the loan procedures.
The above calculation is based on the assumption that the interest rate will remain unchanged throughout the repayment period.
According to the monthly repayment amount calculated above, if the "equal principal and interest method" is adopted, your monthly income and salary will be around 2,500 yuan, and if the "average capital method" is adopted, your monthly income will be around 2,800 yuan. At that time, the bank will ask you to issue a "salary income certificate" issued by your work unit.
According to the amount of your provident fund deposit, your monthly salary can meet the above requirements through reverse calculation.