Calculated by repayment ability: loan amount = [(total monthly salary of husband and wife, monthly contribution of housing accumulation fund of the unit where husband and wife work) × repayment ability coefficient 40%- monthly repayment amount of existing loans of husband and wife ]× 12 (month )× loan term. Total monthly salary = monthly contribution of provident fund/(proportion of unit contribution and proportion of individual contribution).

2. Calculated by house price: loan amount = house price × loan ratio. The area of the house purchased exceeds square meters, and the maximum loan amount is 70% of the purchase price; The area is less than 90 square meters, and the maximum loan amount is 80% of the purchase price.

3. Calculated according to the maximum loan amount: If Hu Tong applies for a loan with his or her spouse's housing provident fund, the maximum loan amount is 700,000 yuan.

4. Calculated according to the balance of the provident fund account: the loan amount of the provident fund = the balance of the borrower and the borrower's provident fund account ×20.

Second, the provident fund loan process

1. The purchaser shall apply for a loan application form at the housing provident fund management core with the Commodity House Sales Contract or the Loan Contact Sheet, and the applicant shall fill in the Housing Provident Fund Loan Application Form as required.

2. Ask someone to take your ID card or the auxiliary borrower's ID card and prepare the household registration book (if there is no household registration book, a marriage certificate is required). Sometimes you need to go to the Civil Affairs Bureau to issue a marriage certificate or a single certificate. Take the commercial housing sales contract and the completed housing provident fund loan application form to the housing provident fund management core to review the loan amount and calculate the fees to be paid.

3. Materials to be submitted by the applicant: application form for housing provident fund loan, 4 originals and photocopies of commercial housing sales contract, 6 copies of house sales approval, 6 copies of maintenance fund receipt, 3 copies of house payment receipt (receipt amount = total house payment-loan amount), 4 copies of ID card of the purchaser, 0 copies of spouse ID card/kloc-,0 copies of husband and wife household registration book/kloc-,and 2 copies of marriage certificate or single certificate.

4, the applicant in the specified date to the housing provident fund management center agent bank window, and receive a bank receipt.

Second, how to calculate the joint loan of husband and wife provident fund?

If the provident fund loan is for both husband and wife, it must be calculated by both husband and wife. Provident fund loans limit single employee loans to no more than 400,000, and double employee loans to no more than 700,000. Therefore, the husband and wife provident fund loans together, the number of dual employees does not exceed 700,000. Then the loan amount is 20 times the balance. For example, if the balance is 10000, you can only borrow 200,000 yuan. So these should be considered at last.

Three, both husband and wife have provident fund, how to calculate the loan amount?

Housing provident fund loan amount should be calculated comprehensively.

The calculation of the loan amount of the provident fund should be based on the repayment ability, the proportion of the house price, the balance of the housing provident fund account and the maximum loan amount, and the minimum value 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 payment of the borrower's unit housing provident fund) × repayment ability coefficient-total monthly repayment of the borrower's existing loan }× loan period (month), {(total monthly salary of both husband and wife, monthly payment of their unit housing provident fund-total monthly repayment of both husband and wife )× loan ability coefficient is 40%, and total monthly salary = monthly payment of provident fund.

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, the balance of the housing provident fund account when employees apply for housing provident fund loans (if the balance of the spouse housing provident fund account and the spouse housing provident fund account is less than 20,000 at the same time, it will be calculated as 20,000;

According to the maximum amount, if I use my own housing provident fund to apply for housing provident fund loans and my spouse's housing provident fund to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan; I use the housing provident fund to apply for a housing provident fund loan. If I apply for a loan, I will normally pay the supplementary housing provident fund. The maximum loan amount is 500,000 yuan. If I use the loan at the same time, I or my spouse will normally pay the supplementary housing provident fund when applying for a loan.

4. How much can I borrow from the provident fund for both husband and wife?

According to the loan amount calculated by the maximum loan amount, if I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. I use my housing provident fund to apply for a housing provident fund loan, and if I normally repay the housing provident fund when applying for a loan, the maximum 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 I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.

Loan amount calculated according to repayment ability: (total monthly salary of the borrower, monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan × loan term (month). If the spouse's quota is used, (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 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);

Loan amount calculated according to house price: loan amount = house price × loan ratio. The loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage sets;