1. Calculated according to the balance of the housing provident fund account.
1. The loan amount shall not be higher than 20 times the balance of the provident fund account.
Price-limited commercial housing or affordable housing, the first set of self-operated housing (if the account balance is less than 20,000 yuan, it will be calculated as 20,000 yuan).
2. The loan amount shall not be higher than 10 times of the balance of the provident fund account.
Loan to buy a second house, purchase public housing, build, rebuild or repair self-owned housing on rural collective land.
Second, according to the price of the house itself.
The loan amount calculated by this method should be calculated according to the formula of multiplying the house price by the loan ratio.
1. The loan amount shall not exceed 80% of the house price.
Commercial housing, price-limited commercial housing, directional distribution of affordable housing, directional sales of affordable housing or private property housing.
2. The loan amount shall not exceed 70% of the house price.
The second set and other self-operated houses, public houses and rural collective land that meet the purchase conditions are newly built, rebuilt and overhauled.
3. Directional allocation of affordable housing
The difference between the total price of the house purchased and the compensation for the house should not be high. nbsp
Third, according to the repayment ability of the loan applicant.
1. Loan applicant's own loan
Specific calculation formula: total monthly salary of the borrower ×40%- total monthly repayment amount of the borrower's existing loan ]× loan period (month).
2. Husband and wife have loans.
Specific calculation formula: (total monthly salary of both husband and wife, monthly contribution of housing accumulation fund of the company to which both husband and wife belong) ×40%- total monthly repayment amount of existing loans of both husband and wife )× loan period (month).
Total monthly salary = monthly contribution of provident fund ÷ (company case+individual contribution ratio).
Fourth, according to the loan amount.
If I use my housing provident fund to apply for housing provident fund loans, there are relevant regulations in various places. You can check the home pages of housing accumulation funds in various places.