The loan amount of housing provident fund can only be determined by comprehensive calculation.

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 is as follows:

1. According to the repayment ability calculation formula, {(total monthly salary of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower }× loan period (month), {(total monthly salary of husband and wife )× repayment ability coefficient-total monthly repayment amount of the husband and wife }× loan period (month), where the repayment ability coefficient is 40% and the total monthly salary =

2. According to the calculation formula of house price, loan amount = house price × loan ratio, in which the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans;

3. According to the account balance, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when the employee applies for a loan (if the spouse housing provident fund is used to apply for a housing provident fund loan at the same time, it is the sum of the balance of the employee's own and spouse's housing provident fund account), and if the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000;

4. According to the maximum amount, the maximum loan amount for applying for housing provident fund loans with my own housing provident fund is 400,000 yuan, the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 600,000 yuan, the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 500,000 yuan, and the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 700,000 yuan.

Second, the Sichuan provident fund loan amount

The maximum loan amount of a single loan does not exceed 500,000 yuan. The loan amount of the borrower is comprehensively determined according to the balance of the provident fund account of the applicant and spouse (or * * *), repayment ability, house price, loan ratio and other factors. The repayment ability coefficient of the borrower is that the monthly debt of the family is less than 50% of the monthly income of the family. The loan ratio is paid to employees' families to use the housing provident fund to entrust loans to purchase the first set of ordinary self-occupied housing, with a maximum loan ratio of 80%; For the paid employee families who own 1 house and have settled the corresponding housing loan. In order to improve living conditions, re-apply for housing provident fund entrusted loans to buy ordinary self-occupied housing, with a maximum loan ratio of 70%; For families who already own 1 apartment and have not settled the corresponding commercial loans, the maximum loan ratio is 60%. Loan interest rate The benchmark interest rate of housing provident fund loans for five years or less is 3.25% per annum, and for more than five years, it is 3.75% per annum. The interest rate of the second suite is 1. 1 times the benchmark interest rate. Tip: What is the loan amount of Sichuan Provident Fund? The Sichuan Provincial Housing Provident Fund Management Center stipulates that the maximum loan amount for employees in this area is 500,000 yuan. How much to borrow depends on the balance of employee provident fund account, monthly repayment ability, loan ratio and other factors. If you live in Sichuan for a long time, the loan conditions of housing provident fund in Sichuan Province are roughly as follows: 1. Having a permanent residence in this Municipality or other valid residence status; 2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan; 3 units and individuals can pay the housing provident fund in full and on time; If you buy a house, you must have a house that meets the legal requirements. 1. Can Shanghai's provident fund buy a house in other places? The housing provident fund paid in Shanghai can buy a house in other places, and the Shanghai provident fund supports the national provident fund loan in different places. Specifically, you can first consult the provident fund management center where the house is purchased to see if you agree to the provident fund loan in different places. If so, you can issue a deposit certificate to the Shanghai Provident Fund Management Center and submit it to the urban provident fund management center that plans to purchase a house. 1. The characteristics of housing provident fund are as follows: 1, universal. Urban workers, regardless of the nature of their work units, family income and whether they have housing, must pay the housing provident fund in accordance with the provisions of the Regulations; 2, mandatory, policy, the unit does not apply for housing provident fund deposit registration or does not set up housing provident fund accounts for employees of the unit, the housing provident fund management center has the right to order it to handle within a time limit, fails to handle, can be punished according to the relevant provisions of the "Regulations", and may apply to the people for compulsory execution; 3. Welfare: In addition to the housing provident fund paid by employees, the unit has to pay a certain amount for employees, and the interest rate of housing provident fund loans is lower than that of commercial loans; 4. Repayment: the employee retires, resigns, or completely loses the ability to work and terminates the labor relationship with the unit, and the household registration moves out or settles abroad. The paid housing provident fund will be returned to individual employees. 2. The application conditions for provident fund loans are as follows: 1. Individual urban workers and their units must continue to pay housing provident fund for one year; 2. If the borrower purchases a commercial house, it must have self-raised funds of not less than 30% of the total house price as the down payment; 3. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan; 4. If both husband and wife normally pay the housing provident fund in full, only one party is allowed to apply for a housing provident fund loan; 5, a family can only apply for a housing provident fund loan to buy a house at the same time; 6. The lender must have a permanent residence or valid residence status in the town of this province (city); 7. Agree to use the purchased house as collateral. To sum up, it is ok to buy foreign real estate in Shanghai provident fund, which is a foreign provident fund loan. Provident fund loans in different places shall be handled according to the following procedures. The loan city provident fund center accepts the consultation of employees' loan business in different places and informs employees of the materials needed for loan review at one time. The employee himself or his client applies to the deposit city provident fund center, and the deposit city provident fund center verifies the loans issued by the employee according to his application. Second, how much can the provident fund loan be borrowed? The loan amount of provident fund can be as follows: 1. The borrower continuously pays the housing provident fund in full, and the maximum loan amount does not exceed 500,000 yuan; At the same time, the borrower and spouse pay the housing provident fund in full and continuously, and the maximum loan amount does not exceed 700,000 yuan; 2. The loan amount for the first suite shall not exceed 70% of the total price of the purchased house, the loan amount for the second suite shall not exceed 50% of the total price of the purchased house, and the loan amount for the finely decorated house shall not exceed 60% of the total price of the purchased house; 3. The loan amount shall not be higher than the amount comprehensively determined according to the deposit time of the provident fund and the balance of the deposit account. 1. The conditions of the provident fund loan are as follows: 1. The borrower purchases affordable housing recognized by the lender; 2. The borrower is an individual who normally deposits the housing provident fund in the provident fund center; 3. Have a stable occupation and income, and have the ability to repay the loan principal and interest; 4. Have permanent residence in cities and towns or valid residence status; 5. Have a house purchase contract or relevant supporting documents. 2. The application process of provident fund loan is as follows: 1. The loan applicant holds his or her spouse's ID card to the loan counter of the management office for preliminary examination of loan qualification. Meet the loan conditions, receive the "housing provident fund loan application approval form" and related materials; 2, provident fund loan applicants to the agreed assessment agencies for real estate appraisal procedures, but also to the real estate sector to register for online signing procedures; 3 provident fund loan applicants, their spouses and sellers shall go through the loan procedures at the housing provident fund loan counter with the materials needed for the loan; 4. The loan applicant, his spouse and the seller should have gone to the real estate registration department to handle the transfer and mortgage procedures; 5. After the mortgage registration formalities are completed and the borrower pays the relevant taxes and fees, the center staff will go to the real estate registration department to get the house ownership certificate and go through the loan issuance procedures. In short, if the borrower continuously pays the housing provident fund in full, the maximum loan amount shall not exceed 500,000 yuan; If the borrower and spouse deposit the housing provident fund in full and continuously at the same time, the maximum loan amount shall not exceed 700,000 yuan; The loan amount of the first suite shall not exceed 70% of the total price of the purchased house, the loan amount of the second suite shall not exceed 50% of the total price of the purchased house, and the loan amount of the finely decorated house shall not exceed 60% of the total price of the purchased house; The loan amount is not higher than the amount comprehensively determined according to the deposit time of the provident fund and the balance of the deposit account. The borrower needs to purchase affordable housing recognized by the lender; Is an individual who normally pays the housing provident fund in the provident fund center; Have a stable occupation and income, and have the ability to repay the principal and interest of the loan; Have permanent residence in cities and towns or valid residence status. Can I get a loan for my house? The house can be loaned. You can refer to the following processing conditions: 1, with permanent residence or valid residence status in this city; 2, when applying for a loan, the normal continuous payment of housing provident fund for more than one year, the new account holder normal continuous payment of housing provident fund for more than six months; 3. The actual situation of resettlement houses; 4. Agree to purchase resettlement houses with full mortgage; 5, stable economic income, good personal credit, able to repay the loan principal and interest; 6. The borrower's husband and wife have not settled the housing provident fund loan. Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund is under any of the following circumstances: (1) purchasing, building, renovating or overhauling self-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.

3. Where can I print the trial balance of Sichuan provident fund loan amount?

According to your description, it should be the housing provident fund paid by the Sichuan Provincial Housing Provident Fund Management Center. You want to apply for a joint provident fund card.

Personal handling needs to bring: the original and photocopy of ID card, and the 1 electronic document in PDF or JPG format of ID card.

Processing time: Monday to Friday (except legal holidays) 9: 00- 12: 00, 13: 00- 17: 00.

Location: The depositor will go to any CCB outlet in Chengdu personally.

1. Sichuan provident fund business telephone: 028-8678 1639 for consultation. ?

2. Go to the window of the housing provident fund center. Reference address: 6th floor, Guangdian Patek International Building, No.30 Shuncheng Street, Xiaxi, Chengdu? Check the accurate map, location and traffic of Sichuan Provident Fund Management Center, and the loan information of Sichuan Provident Fund.

(a) the applicant and spouse housing provident fund deposit certificate;

(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;

(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

4. Is there a loan of 40,000 yuan for the balance of Chengdu Provident Fund?

Yes, the maximum loan can be 700 thousand.

The calculation logic of provident fund: (1) the loan amount of a single employee's family = the borrower's provident fund deposit balance ×20 times× the deposit time coefficient.

(2) The amount of family loans for two or more people = (the balance of the borrower's provident fund deposit * * * and the balance of the borrower's provident fund deposit) ×20 times× the deposit time coefficient.

(3) If the continuous normal deposit time is less than 12 months, the time coefficient is 0.5; If the continuous normal deposit time is 12 months to 24 months, the time coefficient is 0.9; The time coefficient of continuous normal deposit for more than 24 months is 1.

2. The maximum loan ratio shall not exceed 70%.

3. Not higher than the loan amount determined according to the repayment ability of the loan applicant and the borrower.