Users often ask Bian Xiao, what is the loan amount of Wuhan housing provident fund? Then, what is the loan amount of Wuhan housing provident fund now, and what policies are there about Wuhan housing provident fund? To this end, Bian Xiao summed it up for everyone:

Wuhan housing provident fund loan amount

1. The maximum loan limit of Wuhan Provident Fund is 600,000.

1) The maximum amount of the first home provident fund loan is still 600,000 yuan. The loanable ratio is as follows:

(1) The highest proportion of housing provident fund loans for purchasing the first self-occupied housing is the first-hand housing (including commercial housing, fund-raising housing and affordable housing): if the construction area is less than 90 square meters (inclusive), the highest proportion shall not exceed 80% of the total price of the purchased housing; If the construction area is more than 90 square meters, the maximum proportion shall not exceed 70% of the total price of the purchased house.

(2) The highest proportion of housing provident fund loans for purchasing the first self-occupied housing is second-hand housing: if the completion time of the purchased housing is within 10 year (including 10 year) and the construction area is below 90 square meters (including), the loan ratio shall not exceed 80% of the total house price at the highest; If the construction area is more than 90 square meters, the maximum loan ratio shall not exceed 70% of the total housing price; The completion time of the purchased house is within 1 1-20 years (including 20 years), and the maximum loan ratio does not exceed 60% of the total house price; The completion time of the purchased house is within 2 1-30 years (including 30 years), and the maximum loan ratio does not exceed 50% of the total house price.

(III) The maximum proportion of housing provident fund loans for purchasing a second house (including first-hand houses and second-hand houses) shall not exceed 40% of the total housing price. According to the relevant provisions of the Notice of the General Office of the State Council on Further Improving the Regulation of the Real Estate Market (document the State Council 1 1),

2) The maximum amount of the second-home provident fund loan is "600,000 yuan, deducting the difference after the first housing provident fund loan."

For example, Mr. Zhang once used the provident fund loan of 200,000 yuan to buy the first suite, and now he meets the conditions for the second suite loan. However, the maximum loan amount for his second home should be 600,000 minus 200,000 used, which can only be 400,000.

Two, provident fund personal loan amount calculation formula

The loan amount of the lender shall not be higher than the loan amount determined according to the repayment ability. According to the regulations, each lender can make different loans according to the amount of provident fund, and the result needs to be calculated according to the amount, proportion and loan period. There are two calculation methods: (the minimum loanable amount in the following two calculation methods is personal loanable amount)

1) is calculated according to the actual repayment ability. The loan amount does not exceed the borrower's repayment ability, and the calculation formula is: loan amount = (borrower's monthly provident fund contribution/sum of units and individuals' contributions to spouse's provident fund/sum of units and individuals' contributions) ×45%× 12 months× loan period.

Loan life: 30 years for first-hand houses and 20 years for second-hand houses.

2) Calculated according to the housing provident fund deposit. The loan amount is comprehensively determined according to the borrower's provident fund deposit time and deposit balance, and the calculation formula is: loan amount = (borrower's provident fund deposit balance spouse's provident fund deposit balance) ×20 times× borrower's provident fund deposit time coefficient; Provident fund deposit account must be a normal deposit account.

Provident fund calculator:

Wuhan provident fund loan policy

Interpretation of the new policy of Wuhan provident fund loan;

The loan amount of Wuhan provident fund was raised and the deposit time was shortened to 6 months.

Wuhan provident fund loan conditions relaxed

1. Parents who have not paid the provident fund but have housing difficulties can apply for provident fund loans in the name of their children if their children pay the provident fund normally when purchasing affordable housing; Parents and children can also apply for provident fund loans when purchasing affordable housing together. But two conditions must be met at the same time: first, they must be immediate family members living in the same household (based on the household registration book); Second, the real estate owner or property owner must issue a written agreement to mortgage the house and notarize it.

2. The deposit time of provident fund is adjusted from continuous deposit 12 months (including 12 months) to 6 months (including 6 months). Employees who are in normal deposit state when applying for loans and have not withdrawn housing provident fund for more than 6 months can apply for provident fund loans.

3. If the monthly contribution of employee provident fund reaches 800 yuan (including unit subsidy) and above, the highest proportion of provident fund loans can be applied for provident fund loans according to 70% of the total housing price (80% for houses below 90㎡).

4. Borrowers who apply for portfolio loans are allowed to voluntarily choose to repay commercial loans or provident fund loans when applying for repayment of provident fund loans under normal repayment conditions.

The proportion of second-hand housing loans is divided into three grades.

Second-hand housing loans are limited to houses built after 1980, and the maximum loan ratio is divided into three grades according to the year of building construction: houses built after 1980- 1989, and the maximum loan ratio does not exceed 50% of the assessed price; Houses within the range of 1990- 1999 shall not exceed 60% of the appraised price; Houses built after 2000 (inclusive) shall not exceed 70% of the appraised price (50% if the monthly contribution of provident fund is below 800 yuan). When the appraisal price of the second-hand house is inconsistent with the transaction price, the one with low value shall prevail.

It is more convenient to transfer commercial loans to provident fund loans.

1. The borrower of the loan shall complete the property ownership certificate and the state-owned land use right certificate before applying for commercial loan to provident fund loan; Mortgage faster housing, no longer lending.

2. If the original commercial loan has been insured for mortgaged property, the sub-lender voluntarily chooses whether to change the mortgaged property insurance.

3. Adjust the acceptance criteria of bad credit records caused by the borrower's non-malicious default on loans, and the adjusted cumulative overdue times shall not exceed 3 times (including 3 times) or the longest overdue time shall not exceed 2 periods (including 2 periods).

4. If the provident fund has been withdrawn from the same house, you can apply for a commercial loan to a provident fund loan after three years of continuous normal deposit of the provident fund from the date of withdrawal.

The above is the loan amount and loan policy of Wuhan Housing Provident Fund compiled and summarized by Bian Xiao. I hope I can help you.

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How to calculate the loan amount of Wuhan housing provident fund

Many friends in Wu Hanyou want to buy a house, but considering various reasons, many friends will choose provident fund loans to buy a house, which not only makes full and reasonable use of the provident fund, but also saves costs for property buyers to some extent. Many friends in Wuhan want to apply for provident fund loans to buy a house. While considering the expected annualized interest rate, they want to know how much they can borrow.

Wuhan housing provident fund loan amount calculation formula:

(1) The borrower's loan amount is not higher than the loan amount determined according to the loan repayment ability.

Loan amount = (the sum of the borrower's monthly provident fund deposit amount/unit and individual deposit ratio; Monthly contribution of spouse's provident fund/sum of contribution ratio of unit and individual) ×45%× 12 months× loan period.

(2) The borrower's loan amount is not higher than the loan amount comprehensively determined according to the deposit time and deposit balance of the provident fund.

Loan amount = (balance of borrower's provident fund deposit and spouse's provident fund deposit) ×20 times× deposit time coefficient.

What the borrower needs to pay special attention to is that the borrower's provident fund deposit account must be a normal deposit account, that is, the provident fund has been paid normally for 6 months or more. If the borrower is a new employee who has paid the housing provident fund, it takes 180 days to apply for the housing provident fund loan, and it needs to be paid continuously for more than 6 months every month, and the provident fund deposit account must be a normal deposit account.

Time coefficient of Wuhan provident fund deposit

Remind that although applying for housing provident fund loans can save you some costs, it is also very important to choose a suitable loan period.

Calculation of loan amount of Wuhan provident fund

Wuhan housing provident fund loan amount calculation formula:

Actual repayment ability.

The loan amount shall not exceed the borrower's repayment ability.

The calculation formula is: loan amount = (the sum of the borrower's monthly provident fund deposit amount/unit and individual deposit ratio; Monthly contribution of spouse's provident fund/sum of contribution ratio of unit and individual) ×35%× 12 months× loan period.

Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. The housing provident fund paid by employees and the housing provident fund paid for employees by the unit where employees work are personal savings stored by employees in accordance with the regulations for housing consumption expenditures, which belong to individual employees. When an employee retires, the balance of principal and interest is paid in one lump sum and returned to the employee himself.

Category:

The types of housing provident fund loans are: new housing loans, second-hand housing loans, self-built housing loans, housing decoration loans, commercial housing loans to provident fund loans and so on.

(Note: Not all provident fund centres provide the above-mentioned loans. Please consult the local housing provident fund management institution first. )

Features:

Compared with commercial housing loans, housing provident fund loans have the advantages of lower interest rates, flexible repayment methods and low down payment ratio, but the disadvantages are cumbersome procedures and long approval time.

Main advantages:

First, the interest rate of provident fund loans is preferential.

With the same loan amount and repayment period, provident fund loans can save tens of thousands of yuan in interest than commercial loans. Take a 400,000 house as an example, with a loan of 280,000. If the term of the commercial loan is 25 years, the monthly repayment is 172 1 yuan, and the total repayment for 25 years is 5 16300 yuan, and the total interest paid is as high as 236,300 yuan. It is also a provident fund loan with a term of 25 years, with a monthly repayment of 1.548 yuan. The total repayment in 25 years is 464,400 yuan, and the total interest paid is 1.8444 million yuan. Compared with commercial loans, the monthly payment can be reduced by 1.73 yuan, and the interest expense can be saved by nearly 5 1.90 yuan in 25 years.

With the same loan amount and the same repayment amount, compared with commercial loans, provident fund loans not only have shorter repayment time, but also have much less repayment interest. Similarly, if the loan of 280,000 yuan is repaid with the same amount 172 1 yuan/month, the commercial loan will be repaid for 300 months, totaling 5 16300 yuan, with interest of 236,300 yuan. The provident fund loan is repaid to 25 1 month, that is, 2 1 year, and all the principal and interest have been paid off, with a total repayment of 4,30715 yuan, and the interest paid is only 1507 15 yuan, which is 85,585 yuan less than that of commercial loans.

Second, the repayment of provident fund loans is more convenient and flexible.

Buying a house with a provident fund mortgage loan, the bank's repayment method will be more flexible than buying a house with a commercial loan. The borrower can determine the monthly repayment amount by himself, provided that the monthly repayment amount is not lower than the minimum repayment amount stipulated by the bank. In this way, the borrower can make a reasonable and feasible repayment plan according to his own economic strength, which is convenient for the borrower to arrange his monthly economic expenditure. For prepayment of provident fund mortgage loan, the borrower can repay part or all of the loan principal and interest in advance without paying any liquidated damages.

However, if the borrower chooses commercial loans, the repayment method of bank loans is not so flexible. For commercial loans, there are only two ways to prepay, one is to prepay in one lump sum, and the other is to prepay in multiples of ten thousand.

Third, provident fund loans have fewer restrictions on the purchased real estate.

There are many restrictions on the second-hand housing loans of major commercial banks. It is difficult for banks to apply for housing loans for second-hand houses with excessive housing age, poor location and poor mobility. However, for the purchase of houses with provident fund loans, banks have relatively few restrictions on the age of second-hand houses. Second-hand housing age and housing loan life add up to less than 50 years, you can apply for provident fund mortgage loans.

How to calculate the loan amount of Wuhan provident fund

Legal analysis: the amount of provident fund loans has the following minimum standards:

1, not higher than the loan limit determined by the borrower's repayment ability. The calculation formula is: the sum of the monthly deposit base of the housing accumulation fund of the borrower and his spouse (or unmarried children) ×40%× 12× loan period.

2. The purchase, construction, renovation and overhaul of the first set of ordinary self-occupied housing, if the construction area in Xing Tao is below 90 square meters (inclusive), the loan amount is not higher than 80% of the total price, and if the construction area in Xing Tao is above 90 square meters, the loan amount is not higher than 70% of the total price; The purchase, construction, renovation and overhaul of the second set of ordinary self-occupied housing shall not be higher than 40% of the total price. The total purchase price of finely decorated houses does not include interior decoration expenses.

3. If the borrower and his spouse (or unmarried children) meet the loan conditions, the maximum amount of each loan shall not exceed 400,000 yuan, and the amount below 6,543,800 yuan may be relaxed to 6,543,800 yuan; If only one person meets the loan conditions, the maximum amount of each loan shall not exceed 200,000 yuan, and the amount below 50,000 yuan may be relaxed to 50,000 yuan.

4. The loan amount of housing provident fund plus the withdrawal amount shall not exceed 80% of the total purchase price.

5. The accumulated loan amount shall not exceed the loan limit calculated according to the current housing provident fund loan policy.

Legal basis: Regulations on the Management of Housing Provident Fund Article 2 These Regulations are applicable to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC). The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.

Wuhan provident fund loan amount calculation 2022

Legal analysis:

Calculation formula of personal actual loan (calculated in the following two ways, the lower value is the actual loan amount) 1. Not higher than the loan amount comprehensively determined according to the deposit time and deposit balance of the provident fund. Loan amount = (balance of borrower's provident fund deposit and spouse's provident fund deposit) ×20 times× deposit time coefficient. Provident fund deposit account must be a normal deposit account. 2. Not higher than the loan amount determined according to the loan repayment ability. Loan amount = (the sum of the monthly provident fund paid by the borrower/the proportion paid by the unit and the individual; Monthly contribution of spouse's provident fund/sum of contribution ratio of unit and individual) × 45 %× 12 months× loan period.

Legal basis:

Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center. "Regulations on the Administration of Housing Provident Fund" Article 6 The deposit and loan interest rate of housing provident fund shall be proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council.

How to calculate the loan amount of Wuhan provident fund

Legal analysis: loan amount = (borrower's monthly provident fund deposit amount/sum of unit and individual deposit ratio; Monthly contribution of spouse's provident fund/sum of contribution ratio of unit and individual) ×35%× 12 months× loan period. The loan amount is comprehensively determined according to the time and balance of the borrower's provident fund deposit (calculated according to the sum of the balance of the borrower and spouse, and the housing provident fund deposited in the last 6 months does not participate in the calculation of the provident fund loan amount). Provident fund deposit account must be a normal deposit account.

Requirements for using provident fund loans:

1, with a valid household registration or residence permit in the place where it is located; 2. The user has normally paid the housing provident fund for six months before applying for the provident fund loan; 3. There are procedures and contracts. For buying a house, renting a house and decorating; 4. The down payment paid by the applicant shall exceed 30% or 20% of the total purchase price; 5. Both the lender and the guarantor must be at least 18 years old, with full capacity for civil conduct, good personal credit information and relatively stable income.

Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees. The proportion of employees and unit housing provident fund deposit is not less than 5% and not higher than 12%.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

The introduction of Wuhan provident fund loan calculation ends here.