1. What is the loan amount of housing provident fund?
1. If I use my housing provident fund to apply for a housing provident fund loan, the maximum loan amount is 400,000 yuan;
2, the use of spouse housing provident fund to apply for housing provident fund loans, the maximum loan amount of 600 thousand yuan;
3. I use my housing provident fund to apply for a housing provident fund loan. If I pay the supplementary housing provident fund normally when applying for a loan, the maximum loan amount is 500,000 yuan;
4. Use the spouse's housing provident fund to apply for a housing provident fund loan, and when applying for a loan, I or my spouse will normally pay a supplementary housing provident fund, with a maximum loan amount of 700,000 yuan.
Second, how to calculate the housing provident fund loan amount?
The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower. The calculation method of provident fund loan amount is as follows:
1, calculate the loan amount according to the repayment ability.
The calculation formula is: [(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. The loan amount is calculated by the spouse.
[(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%; Total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio+individual contribution ratio).
3. The loan amount calculated according to the house price
The calculation formula is: loan amount = house price × loan ratio.