Steps for signing the monthly repayment agreement for provident fund loans: 1. Main Lender: Nanjing Provident Fund APP- My Provident Fund-Business Hall-Entrusted Repayment Agreement-Signing Public Loan Agreement 2. Spouse: Nanjing Provident Fund APP- My Provident Fund-Business Hall-Entrusted Repayment Agreement-Change of Public Loan Agreement.
Steps to sign a monthly repayment agreement for commercial loans
1. main lender: Nanjing provident fund app—- my provident fund-business hall-entrusted loan repayment agreement-signing of commercial loan agreement.
2. Spouse: Nanjing Provident Fund app—- My Provident Fund-Business Hall-Entrusted Loan Repayment Agreement-Change of Commercial Loan Agreement.
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Second, the repayment formula of provident fund.
The loan amount of housing provident fund can only be determined by comprehensive calculation. 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 is as follows: according to the repayment ability calculation formula, {(total monthly salary of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan }× loan period (month), {(total monthly salary of both husband and wife )× repayment ability coefficient-total monthly repayment amount of both husband and wife }× loan period (month). Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution); According to the calculation formula of house price, loan amount = house price × loan ratio, in which the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans; According to the account balance, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than 10 times of the housing provident fund account balance when the employee applies for a loan (if the spouse housing provident fund is used to apply for a housing provident fund loan at the same time, it is the sum of the employee's and spouse's housing provident fund account balances), and if the housing provident fund account balance is less than 20,000, it shall be calculated as 20,000; According to the maximum amount, the maximum loan amount for applying for housing provident fund loans with my own housing provident fund is 400,000 yuan, the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 600,000 yuan, the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 500,000 yuan, and the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 700,000 yuan.
Third, the repayment formula of provident fund.
The loan amount of housing provident fund can only be determined by comprehensive calculation.
Provident fund, the percentage of house price, the balance of housing provident fund account and the maximum loan limit, the minimum value calculated by the four conditions is the borrower.
The calculation method is as follows:
According to (the total monthly salary of the borrower, the housing capacity coefficient of the borrower-the total monthly repayment amount of the borrower's existing loan) × the loan period (month), {(the total monthly salary of both husband and wife, the loan capacity coefficient of both husband and wife-the total monthly repayment amount of both husband and wife )× the loan period (month). Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution ratio of the provident fund);
According to the calculation formula of house price, loan amount = house price × loan ratio, in which the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans;
According to the account balance, if an employee applies for a housing provident fund loan, the balance of the loan provident fund account (that is, the sum of the employee's own and spouse's housing provident fund account balance) is less than 20,000 times.
According to the maximum amount, I use my own housing provident fund to apply for a housing provident fund loan. The maximum amount of my spouse's housing provident fund is 600,000 yuan, and the maximum amount of the loan is 500,000 yuan. I use my spouse's housing provident fund to apply for a housing provident fund loan, and my spouse or I normally pay the housing provident fund when applying for a loan.
Fourth, the housing provident fund calculator housing provident fund repayment method
There are two repayment methods for personal housing provident fund loans: monthly equal principal and interest repayment method and monthly average principal repayment method. The monthly average capital repayment method refers to the repayment method in which the borrower repays the principal regularly every month and the loan interest decreases month by month.
It should be noted that the personal loan of provident fund within one year should be repaid in one lump sum at maturity; Personal provident fund loans with a term of more than one year shall repay the loan principal and interest on a monthly basis.
Housing accumulation fund-a warm reminder that the housing accumulation fund system is actually a housing security system and a form of monetization of housing distribution. The housing accumulation fund paid by the unit for employees is an integral part of employees' wages. It is the unit's obligation to pay the housing provident fund for employees, and it is the legal right of employees to enjoy the housing provident fund policy. Some units have not established a housing accumulation fund system for employees, which infringes on the legitimate rights that employees should enjoy.