The value of the house is below 60% of the general evaluation value of the second-hand house;
Total loan amount, such as 300,000 for individuals; Couples can participate in the loan of 600 thousand yuan (the limit varies from region to region)
Repayment ability, generally the monthly payment must be less than half of the income; This is also related to the loan period (affecting the monthly payment). In some places, it is stipulated that if you buy a second-hand house with a house age of 15 years, the loan period+house age ≤30 years; There is also age+loan period ≤ retirement age.
Base and balance of provident fund payment. Some places stipulate that the loan ceiling is 20~40 times of the balance.
Take the lowest value of the above four as the loan ceiling.
Provisions of Kaifeng Municipality on the Measures for the Administration of Housing Provident Fund on the Loan Amount:
Forty-third housing provident fund loan amount according to the following provisions:
(1) The maximum single loan amount is 400,000 yuan, not exceeding 70% of the purchased house price;
(two) the maximum loan amount of second-hand housing does not exceed 60% of the average transaction price and evaluation price of the purchased housing;
(three) the maximum loan amount for self-built housing shall not exceed 60% of the assessed price;
(four) the maximum loan amount of individual housing commercial loans to housing provident fund loans shall not exceed the remaining amount of the original loan amount.
When the maximum loan amount, term and loan ratio need to be adjusted, it shall be approved by the provident fund management Committee.
There is no prescribed formula,
You take your materials to the provident fund management center for consultation. You can also call 12329 for consultation.