2. The employee personal loan amount is calculated and determined by a certain multiple of the average monthly balance of the housing provident fund account, and the calculation formula is:
Employee personal loan amount = average monthly balance of employee housing provident fund account × multiple.
These include:
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 when applying for a loan (excluding the one-time payment for nearly 12 months), and if it is less than 12 months, it shall be calculated according to the actual number of months;
At present, the multiple is determined by 15 times. In the future, Hangzhou Housing Provident Fund Management Center will make adjustments according to the housing price level, housing provident fund deposit level and fund scale of our city, and report to Hangzhou Housing Provident Fund Management Committee for filing before implementation.
If the employee's personal loan amount is less than 6.5438+0.5 million yuan, it will be determined by 6.5438+0.5 million yuan.
3. At the same time, the specific loanable amount is comprehensively determined according to the purchase conditions and prices of employees, personal repayment ability and credit status.
4, the employee housing provident fund loan amount is insufficient, you can apply for a portfolio loan. The term, guarantee method and repayment method of commercial loans in portfolio loans should be consistent with housing provident fund loans.