Calculate how much provident fund you can borrow according to the following formula:
Monthly contribution amount of provident fund ÷ contribution ratio × individual repayment ability coefficient (at present, the individual repayment ability coefficient is 0.3)× 12 (month )× actual loanable period (the legal retirement age for men is 60 years, for women is 55 years, the loanable period for commercial housing is not more than 30 years, and that for second-hand housing is not more than 20 years).
1. Calculate the loan amount of provident fund in the following two ways, taking the smaller value as the upper limit and not exceeding the maximum loan amount of the corresponding grade.
(1) 10 times of the balance of the borrower's housing provident fund deposit (based on the data of 12 the night before the application for provident fund loan). If the borrower's spouse meets the conditions of provident fund loan, the balance of housing provident fund deposit shall be calculated together.
If the spouse of the borrower who meets the conditions of provident fund loan is an active serviceman, the loan amount shall be 20 times of the balance of the borrower's housing provident fund deposit.
If the borrower or his spouse normally pays the housing subsidies for new employees, the paid housing subsidies for new employees can be combined with the balance of the borrower's housing provident fund deposit to calculate the loanable amount of the housing provident fund. The criteria for distinguishing whether housing subsidies for new employees are paid normally shall be implemented in accordance with the provisions of the Measures for the Administration of Housing Provident Fund Loans on the conditions for issuing housing provident funds.
(2) Total house price ×( 1- specified loan down payment ratio)
1. If the employee's family applies for the first provident fund loan, and the construction area of Xing Tao (hereinafter referred to as the area) is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20% of the total house price; If the area is more than 90 square meters, the down payment ratio of the loan shall not be less than 30% of the total house price.
2. The down payment ratio of the second provident fund loan shall not be less than 50% of the total house price.
Note 1: the lower of the transaction price and the evaluation price is the total price of the second-hand house;
Note 2: The contract house price is the total house price of the commercial house (excluding the decoration price). If the decoration price is included in the total house price purchased by the borrower, the total house price shall be deducted by 15%.
Two, the maximum loan amount of provident fund loans
(1) The maximum loan amount normally paid by the borrower into the housing accumulation fund is 300,000 yuan.
(2) The maximum loan amount for both borrowers and spouses to normally pay housing provident fund is 500,000 yuan.
3. Workers' families use provident fund loans to buy houses for the first time, with an area of less than 90 square meters (inclusive), and can provide proof that the houses they purchased are the first set of houses issued by the real estate management department. Only the borrower meets the conditions for provident fund loans, and if the loan amount is less than 300,000 yuan according to the above provisions, it can be calculated as 300,000 yuan. Both husband and wife are eligible for provident fund loans. If the loan amount is less than 500,000 yuan according to the above provisions, it can be calculated as 500,000 yuan.
Four, the local housing security administrative departments to determine the audit, in line with the purchase of affordable housing and housing provident fund loans for the first time in urban low-income families. The applicant shall provide a stamped copy of the "Application Form for Affordable Housing in Wuxi City" approved by the local housing security administrative department. Only one borrower meets the conditions of provident fund loan, and if the loan amount is less than 300,000 yuan according to the above provisions, it can be calculated as 300,000 yuan. Both husband and wife are eligible for provident fund loans. If the loan amount is less than 500,000 yuan according to the above provisions, it can be calculated as 500,000 yuan.
Five, the borrower or his spouse housing provident fund from the field to the city, six months before the transfer, housing provident fund paid in full and on time, the transfer unit is in a normal state of remittance, there is no default. Borrowers who have paid housing provident fund in this city for one month can apply for provident fund loans.