The calculation of housing provident fund repayment refers to calculating the monthly repayment amount according to the loan principal, repayment period and monthly interest rate, so as to ensure that employees can use provident fund loans according to law.

Housing accumulation fund is the fund for workers to solve housing problems, and it can also be used as an option for housing loans. When applying for housing provident fund loans, the repayment should be calculated according to the loan principal, repayment period and monthly interest rate, so as to ensure that the loans are paid off on time. The repayment calculation usually involves the following factors: 1. The loan principal refers to the total amount of funds lent by the lender from the housing provident fund, which is adjusted according to the actual demand. 2. The repayment period refers to how long it takes the lender to pay off the loan, and the corresponding period can be selected according to the actual situation of the individual. 3. Monthly interest rate The monthly interest rate of housing provident fund loans is set by the State Council, and the national average interest rate is usually not more than 1. 1 times the benchmark interest rate of revolving loans. The calculation formula is: monthly repayment amount = (loan principal × monthly interest rate× (1+monthly interest rate) repayment period) ÷ (( 1+ monthly interest rate) repayment period-1)

What are the repayment methods of housing provident fund loans? The repayment methods of housing provident fund loans are generally divided into two types: equal principal and interest and average capital. Matching principal and interest means that the monthly repayment amount is unchanged, but the loan interest is gradually decreasing; Average capital means that the monthly repayment principal remains unchanged, and the loan interest gradually decreases with the remaining loan principal.

The calculation of housing provident fund repayment needs to consider many factors, including loan principal, repayment period, monthly interest rate and so on. , and adjust according to the actual situation. At the same time, when choosing housing provident fund loans, we need to pay attention to the loan interest rate, repayment methods and other details to ensure that the use of provident fund loans conforms to the law.

Legal basis:

"Regulations on the Management of Housing Provident Fund" Article 5 The housing provident fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.