The calculation formula of 1 is:

Loan amount = [(monthly salary of borrower or husband and wife, monthly contribution of housing accumulation fund) × or monthly repayment amount of existing loans of husband and wife ]× 12 (month)

Total monthly salary = monthly contribution ratio of provident fund);

2 The calculation formula is:

Loan amount = house price × loan ratio. Among them, the loan proportion is determined according to different types. Generally speaking, if the building area is more than 90 square meters, the loan amount shall not exceed 70% of the purchase price; If the construction area is less than 90 square meters, the loan amount shall not exceed the purchased loan.

3. According to the maximum loan amount:

Use my housing provident fund to apply for a loan with a maximum amount of 500,000 yuan; At the same time, use the spouse housing provident fund to apply for loans, and the maximum loan amount is

4. The calculation formula of provident fund loan based on the balance of provident fund account is:

Account balance of provident fund loan line ×20

For example, a citizen has paid the provident fund for more than 1 year. At present, the provident fund is 00 yuan, so if he borrows for 30 years, how much can he borrow at the highest?

The fourth line used is about 10000×20. If you know the amount of individual and spouse's monthly provident fund deposit, the period of planned loan application and the actual purchase price, you may wish to use the provident fund calculator online to save time and effort.

Second, the calculation method of provident fund loan amount

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:

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).

Depending on the number used by the spouse

[(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.

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.

3. How is the housing provident fund loan calculated?

The calculation methods of housing provident fund loans are average capital repayment method, that is, monthly repayment amount = loan principal/repayment months (principal-accumulated amount of repaid principal) × monthly interest rate, equal principal and interest repayment method and free repayment method. The specific way shall be agreed by the parties in the loan contract. According to the law, employees who have paid the housing provident fund in accordance with Article 26 of the Regulations on the Management of Housing Provident Fund can apply for housing provident fund loans from 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. Twenty-seventh applicants for housing provident fund loans shall provide guarantees. Article 668 of the Civil Code generally includes the type, currency, purpose, amount, interest rate, term and repayment method of the loan. Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state.