(1) The loan amount is calculated according to the repayment ability.

The calculation formula is: loan amount = borrower's monthly salary base × repayment ability coefficient × 12× calculation period of amount+spouse's monthly salary base × repayment ability coefficient × 12× calculation period of amount.

1, and the "repayment ability coefficient" in the formula is 30%;

2. The term "calculation period of the quota" in the formula means that the date when the loan applicant and his spouse apply for a loan is 5 years from the statutory retirement age (65 years for men and 60 years for women), and the maximum calculation period of the quota is not more than 30 years.

(2) The loan amount shall be calculated as multiple of the normal deposit balance in the provident fund account.

1, calculated according to 15 times of the normal deposit balance of the provident fund account when the loan applicant and spouse apply for a loan, and at the same time set the starting point of the account balance at 5,000 yuan. If the account balance is less than 5,000 yuan, it shall be calculated as 5,000 yuan;

Apply for affordable housing loans, according to the borrower and spouse to apply for loans at the time of 20 times the normal balance of the provident fund account, at the same time, the starting point of the account balance is set at 6.5438+0 million yuan. If the account balance is less than 6,543,800 yuan, it shall be calculated as 6,543,800 yuan.

2. The normal deposit balance of the loan applicant and spouse's provident fund account is determined by Qingdao Housing Provident Fund Management Center, and the abnormal deposit of housing provident fund is not included in the normal deposit balance.

(3) The loan amount calculated according to the prescribed proportion.

1. When buying a new house, the loan amount shall not exceed 80% of the total house price (excluding supporting fees and decoration fees, etc.). ) (that is, the down payment ratio shall not be less than 20% of the total house price); The loan amount of the second provident fund shall not exceed 80% of the total house price (that is, the down payment ratio shall not be less than 20% of the total house price).

2. If you buy a second-hand house, the maximum loan amount shall not exceed 60% of the total house price (age 10), and the down payment ratio shall not be less than 40% of the total house price; If the house age exceeds 10 year (excluding 10 year), the house age will be increased by 5 years, and the down payment ratio will be correspondingly increased by 10%. The loan amount of the second provident fund shall not exceed 40% of the total house price (that is, the down payment ratio shall not be less than 60% of the total house price).

The total amount of the re-traded housing is assessed by the real estate appraisal agency recognized by Qingdao Housing Provident Fund Management Center, and the lower of the assessed value and the housing transaction price is determined.

Maximum loan amount determined by Qingdao Housing Provident Fund Management Committee

If the loan applicant and spouse meet the conditions for applying for loan deposit, the maximum amount of provident fund loan for purchasing new houses is 600,000 yuan, and the maximum amount of provident fund loan for purchasing re-traded houses is 350,000 yuan; If the loan applicant only meets the requirements for applying for loan deposit, the loan amount shall not exceed 60% of the maximum loan amount, that is, the maximum amount of provident fund loan for purchasing a new house is 360,000 yuan, and the maximum amount of provident fund loan for purchasing a re-traded house is 2 1 10,000 yuan.