Loan amount = (employee housing provident fund account balance spouse housing provident fund account balance) ×n multiple.

According to the calculation formula of loan amount, if the employee's family loan amount is less than 200,000 yuan, it will be approved by 200,000 yuan. The minimum loan of 200,000 yuan mentioned in the preceding paragraph is not applicable to employees (except renting houses) and flexible employees whose families have withdrawn provident fund in recent 12 months.

(1) The balance of housing provident fund account refers to the account balance deposited in Changsha Provident Fund Center, provincial sub-centers and cooperative provident fund centers for loans in different places. If the spouse's housing provident fund account is in a normal state and has been deposited normally for nearly 12 months, the loan amount can be calculated by combining the account balance.

(II) The loan N multiple is determined according to the annual individual housing loan interest rate of Changsha Provident Fund Center (referring to the ratio of the individual housing loan balance to the housing provident fund deposit balance, hereinafter referred to as "individual loan interest rate"):

1, when the "personal loan ratio" is lower than 75%, n = 20.

2. When the "personal loan rate" is between 75% (inclusive) and 80%, n =16;

3. When the "personal loan rate" is between 80% and 85%, n =15;

4. When the "personal loan rate" is between 85% and 90%, n =14;

5. When the personal loan rate is between 90% (inclusive) and 95%, n =13;

6. When the personal loan ratio is higher than 95% (inclusive), n= 12.

2. How much is the universal loan of Changsha Provident Fund?

The 20,000 provident fund can be borrowed from 200,000 to 400,000. Usually, the loan amount of the provident fund is 10 times of the provident fund, and the maximum is not more than 20 times. However, in some areas, the maximum loan amount for individuals applying for provident fund loans is 400,000, and the maximum loan amount for couples applying for provident fund loans is 600,000.

Three, Changsha provident fund loan limit loan amount calculation method

The calculation of the loan amount of Changsha provident fund 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:

The loan amount is calculated according to 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.

When applying for a loan, employees or their spouses pay housing subsidies normally on a monthly basis, with reference to the provisions on normal payment of supplementary housing provident fund.

The calculated loan amount is reserved to thousand, and the number below thousand is not zero plus one.

Loan amount calculated according to 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).

Use spouse quota:

[(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).

Loan amount calculated according to house price

The calculation formula is: loan amount = house price × loan ratio.

Among them, the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans:

A purchase of commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sales of affordable housing or private housing.

Workers' families (including employees, spouses and minor children, the same below) who purchase the first set of housing (including commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sale of affordable housing or private property housing) with a construction area of less than 90 square meters (including 90 square meters) shall pay a down payment of not less than 20% of the purchased housing price, and the loan amount shall not be higher than 80% of the purchased housing price; If the construction area of the purchased house exceeds 90 square meters, a down payment of not less than 30% of the purchased house price shall be paid, and the loan amount shall not be higher than 70% of the purchased house price.

If an employee buys a second house with a family loan, the down payment shall not be less than 50% of the house price, and the loan amount shall not be higher than 50% of the house price.

Workers' family loans to buy third and above houses will suspend the issuance of personal housing provident fund loans.

When purchasing private housing, if the housing price is inconsistent with the assessed price, the lower of the two shall be the approved limit.

The purchase of targeted resettlement affordable housing, the loan amount should not be higher than the difference between the total price of the purchased housing and the amount of housing compensation.

B for the purchase of existing public housing, the loan amount shall not exceed 70% of the purchased housing price; For the construction, renovation and overhaul of self-owned housing, the loan amount shall not exceed 70% of the cost of housing construction and repair.

The loan amount is calculated according to the balance of the housing provident fund account.

When employees apply for housing provident fund loans, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when employees apply for loans (if the spouse housing provident fund is used to apply for housing provident fund loans at the same time, it is the sum of the balance of the employee's and spouse's housing provident fund accounts). If the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000.

Advantages of provident fund loans

Housing provident fund loans are not only widely used to buy new houses, but also used to buy second-hand houses. Because the annual interest rate of provident fund loans is only 3.87%, which is nearly 2 percentage points lower than the current commercial loan interest rate of 5.94%, a general concept has been formed in the minds of most buyers: using provident fund loans saves money than using commercial loans. Experts from the financial management department of Beijing's famous real estate agent "I love my family" said that the advantages of provident fund loans are not limited to its preferential interest rate, but also many advantages such as high loan amount, long service life and flexible repayment.

(The above answers were published on 20 13-09-03. Please refer to the current actual purchase policy. )

When buying a new house, go to Sohu Focus.

How is the loan amount of Changsha provident fund generally calculated?

Changsha provident fund loan amount = appraisal price-appraisal price down payment ratio, and shall not exceed the prescribed multiple of deposit balance. If the borrower's unilateral deposit status meets the housing provident fund loan conditions, the maximum single loan amount shall not exceed 400,000 yuan; The deposit of both husband and wife meets the conditions of housing provident fund loan at the same time, and the maximum single loan amount does not exceed 600,000 yuan. Legal basis Article 6 The deposit and loan interest rate of housing provident fund shall be proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council. Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.