In order to further improve the personal loan policy of housing provident fund in Xining City, Qinghai Province, according to the "Business Specification for Personal Housing Loan of Housing Provident Fund" issued by the Ministry of Housing and Urban-Rural Development, and reviewed and approved by the Xining Housing Provident Fund Management Committee, when employees who have paid housing provident fund apply for housing provident fund loans, their loanable amount is calculated according to their deposit balance and deposit years. This way can encourage overpayment and long-term overpayment within the maximum loan amount, which better reflects the fairness and mutual assistance of the housing provident fund system. In other words, the larger the balance of individual housing provident fund account and the longer the deposit period, the larger the loan amount; The less the account balance, the shorter the deposit period, and the corresponding reduction in the loan amount.
According to reports, after the implementation of the loan allocation coefficient, when employees who have paid housing provident fund apply for housing provident fund loans, they should finally determine the loanable amount according to the balance of the borrower's provident fund account and the payment period on the basis of referring to the maximum loan amount of individual housing provident fund loans in Xining, the borrower's family repayment ability, credit status, the total price of the house purchased, and the down payment ratio, that is, calculate the loanable amount through the loan allocation coefficient formula: employee loanable amount = deposit balance × (1) If the husband and wife pay the housing provident fund, the balance of the accounts of both parties shall be calculated; 12 is the fixed loan allocation coefficient; 0, 3 is the floating loan allocation coefficient; The deposit period is the normal deposit period of the principal borrower. Less than one year less than one year, according to one year. The spouse's deposit period is not counted. If the principal borrower fails to repay during the deposit period, the deposit period shall be calculated from the date of the last normal deposit. At the same time, the loanable amount calculated by the loan distribution coefficient should be within the current calculation range, and the actual loanable amount of the borrower shall not exceed the amount calculated by the loan distribution coefficient, and shall not exceed the maximum loan amount of the housing provident fund stipulated by Xining City. If there is a bad credit record, it will be lowered on the basis of the maximum amount according to the credit status.