There are some different regulations on the maximum loan amount in different places. For example, the maximum loan amount in Guangzhou varies according to the purchase area and whether it is the first suite. The calculation of 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. The calculation method of provident fund loan amount is as follows:
1, calculate the loan amount according to the repayment ability.
The calculation formula is:
[(the total monthly salary of the borrower+the monthly contribution of the housing provident fund of the borrower) × repayment ability coefficient-the total monthly repayment amount of the borrower's existing loan ]× loan term (month).
Step 2 Use your spouse's quota
The calculation formula is:
[(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%, and the total monthly salary = the monthly contribution of the provident fund ÷ (unit contribution ratio+individual contribution ratio).
3. The loan amount calculated according to the house price
The calculation formula is: loan amount = house price × loan ratio.
4. 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.
Take Guangdong provident fund loan as an example:
Guangzhou provident fund loan amount: if one person applies for housing provident fund loan, the maximum loan amount is 500,000 yuan; if two or more people purchase the same house and apply for housing provident fund loan, the maximum loan amount is 800,000 yuan. Loan amount calculated according to the loan ratio: for families (including borrowers, spouses and minor children, the same below) who purchase the first set of housing with a construction area of 90 square meters or purchase affordable housing according to regulations, the down payment ratio shall be no less than 20%; For families who purchase the first home and have a building area of 90 square meters or more, the down payment ratio is not less than 30%; For families who buy a second home, the down payment ratio shall not be less than 60%.
(The above answers were published on 20 15- 10-29. Please refer to the current actual purchase policy. )
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