Calculation of housing provident fund loan amount;
The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, percentage of house price, balance of housing provident fund account and higher loan amount. The minimum value calculated by the four conditions is the borrower's higher loanable amount. 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 borrower's housing provident fund) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan term (month).
2. according to the number used 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 ÷ (proportion of unit contribution and proportion of individual contribution).
3. The loan amount calculated according to the house price
The calculation formula is: loan amount = house price × loan ratio.
4. The loan amount is calculated according to the higher loan limit.
If I use my housing provident fund to apply for a housing provident fund loan, the loan limit is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, the loan limit is 600,000 yuan. If I use my housing provident fund to apply for a housing provident fund loan, I will normally pay back the housing provident fund when applying for a loan, and the loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or himself pays the housing provident fund normally when applying for a loan, the loan limit is 700,000 yuan.
I hope I can help you.
On-line calculation of provident fund loan calculator
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:
According to the repayment ability calculation formula, {(total monthly salary of the borrower, monthly contribution of the housing provident fund of the borrower's unit) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan }× loan period (month), {(total monthly salary of both husband and wife, monthly contribution of the housing provident fund of the unit )× repayment ability coefficient-total monthly repayment amount of the existing loan of both husband and wife }× loan period (month). Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution);
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;
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 housing provident fund account balance 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 employee's and spouse's housing provident fund account balances), and if the housing provident fund account balance is less than 20,000, it shall be calculated as 20,000;
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.
How to calculate the loan amount of Shijiazhuang provident fund
The loan amount of provident fund should be determined according to four conditions: repayment ability, proportion to house price, balance of housing provident fund account and maximum loan amount, among which the minimum value calculated by the four conditions is the maximum loanable amount of the lender.
Provident fund loan amount and its calculation method;
[(the total monthly salary of the borrower and the monthly contribution of the housing provident fund of the borrower) × repayment ability coefficient-the total monthly repayment amount of the borrower's existing loan ]× loan term (month);
Use of spouse's quota: [(total monthly salary of husband and wife, monthly contribution of housing accumulation fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan period (month);
The repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution);
The calculation formula of the loan amount calculated according to the house price is: loan amount = house price × loan ratio.
Shijiazhuang provident fund loan amount
Shijiazhuang provident fund loan amount is 600,000 yuan.
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.
What does the housing accumulation fund specifically mean?
The definition of housing provident fund includes the following five aspects:
1. The housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas.
2. Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.
3. The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit.
4. The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.
5. Housing accumulation fund is the individual housing savings fund of employees, which is specially used for housing consumption expenditure.
Legal basis: Regulations on the Management of Housing Provident Fund
Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:
(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.
How to carry out provident fund loan calculator
To calculate the provident fund loan calculator, you can download the Baidu mobile APP, search for the keyword "provident fund loan calculator" in the APP, and finally enter relevant information for inquiry. The specific steps are as follows:
1. First, click Baidu APP in your mobile phone.
2. Then open it and find the search bar.
3. Then search for the keyword "Provident Fund Loan Calculator", click Ping An Technology app and enter.
4. Finally, enter the calculator interface and enter relevant contents for calculation and query.
Precautions:
1, both Apple phones and Android phones can use this function to query.
2. Finally, you can calculate the query by matching principal and interest or average capital.
Provident fund loan amount calculator, calculation formula
As there are differences in policies and requirements of individual housing provident fund loans in housing provident fund management centers around the country, if you need to know the relevant calculation formula of provident fund loans, please consult the provident fund management center or the local business outlets of BOC in detail.
The above contents are for your reference. Please refer to the actual business regulations.