Housing prices in Beijing are already very high, with an average price of 30,000-40,000. If you want to buy a suite, it will be several million. According to the down payment of 30%, it should be at least one million. Now Beijing's small partners apply for provident fund loans, with a maximum amount of 6.5438+0.2 million.
The loan amount of Beijing provident fund is based on the family, and the maximum amount is1.2000 yuan whether it is a one-person loan or a husband-and-wife loan.
Under normal circumstances, the purchase of policy housing or the first set of self-occupied housing with a construction area of 90 square meters or less, the maximum amount of a single housing provident fund loan is 6.5438+0.2 million yuan; Method for determining the specific loan amount:
1. Calculate the monthly income of myself and * * * the same applicant: monthly income = monthly contribution of individual housing provident fund ÷ contribution ratio of housing provident fund;
2. Calculate the maximum loanable amount: the maximum loanable amount is the remaining amount after deducting the living expenses of at least 1.092 yuan from the monthly income of the family, and then dividing it by the monthly repayment amount of every 10,000 yuan loan during the loan application period.
3. For the specific loan amount, the maximum amount, maximum loanable amount, minimum down payment, credit rating and assessed value of collateral of a single loan should be considered at the same time.
How to get the maximum loan?
Personal loan: the monthly deposit amount needs to reach 772 yuan, that is, the housing accumulation fund is paid at the ratio of 12%, and the personal monthly income reaches 6434 yuan, with the maximum loan amount of1.20 thousand yuan.
Couple loan: As long as the sum of their monthly contributions is not less than 9 16 yuan, they can borrow 1.2 million yuan. As long as their monthly income is above 38 17 yuan, they can borrow 1.2 million yuan.
What is the maximum amount of Beijing provident fund?
Legal analysis: Beijing provident fund loan amount refers to the maximum loan amount that an individual can apply for when using provident fund loans. Only employees who have permanent residence in local cities and towns, have established the housing provident fund system for more than 2 years, and have paid the housing provident fund according to regulations can enjoy the provident fund loan when the funds for purchasing or building houses or renovating or overhauling their own houses are insufficient. The calculation of Beijing 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. Generally speaking, the maximum loan amount of Beijing housing provident fund is 800,000 yuan. However, a lender with a credit rating of 3A can still get a 30% discount on the maximum loan amount. Therefore, the maximum amount of housing provident fund loans can reach 6.5438+0.04 million.
Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:
(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.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
Beijing housing provident fund loan amount
The maximum loan amount of Beijing housing provident fund is 6.5438+0.04 million.
The specific loan amount is determined as follows:
1. Calculate the monthly income of myself and * * * the same applicant: monthly income = monthly contribution of individual housing provident fund ÷ contribution ratio of housing provident fund;
2. Calculate the maximum loanable amount: the maximum loanable amount is the remaining amount after deducting at least 400 yuan's living expenses from the family's monthly income, and then divided by the monthly repayment amount per 10,000 yuan loan during the loan application period;
3. For the specific loan amount, the maximum amount, maximum loanable amount, minimum down payment, credit rating and assessed value of collateral of a single loan should be considered at the same time.
The housing accumulation 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. The deposit and loan interest rate of housing provident fund is proposed by the People's Bank of China. After soliciting the opinions of the construction administrative department of the State Council, it is reported to the State Council for approval.
Article 3 of the Regulations on the Management of Housing Provident Fund
The housing accumulation fund paid by individual employees and the housing accumulation fund paid for employees by the unit where the employees work belong to individual employees.