2. Calculate the loanable amount according to the purchase situation:

Purchase the first family-occupied housing with a construction area of less than 90 square meters (inclusive), and the loan amount shall not be higher than 80% of the total price of the purchased housing; If the construction area is more than 90 square meters, the loan amount shall not be higher than 70% of the total price of the purchased house; If a family buys a second set of self-occupied housing, the amount of provident fund loan shall not be higher than 40% of the total price of the purchased housing.

3. Calculate the loanable amount according to the borrower's family income:

The borrower's monthly salary income is calculated and determined according to the deposit base of the housing provident fund, and the monthly salary income of the spouse who has not paid the housing provident fund is determined according to the certificate issued by the work unit. The monthly repayment of principal and interest of individual housing provident fund loans shall not exceed 50% of the monthly household income. If the borrower has other loans at present, it will be included in the calculation of monthly repayment principal and interest.

4. Query the loanable amount according to the balance of the provident fund account:

When employees apply for housing provident fund loans, the loan amount shall not be higher than the balance of housing provident fund accounts when employees apply for loans (at the same time, applying for housing provident fund loans with spouse's housing provident fund is the sum of the balance of employees' and spouses' housing provident fund accounts) (the loan multiples are different due to different local policies).

Second, how to calculate the amount of provident fund loans

Hello:

I checked the current rules:

Notice on Adjusting Housing Provident Fund Loan Policy

Column Type: Municipal Document Author: Administrator Time: 20 12-7- 19

Guan [2065438+02] No.9

Management part center:

In order to implement the opinions of the provincial government on promoting steady and rapid economic development (Zheng Wan [2065438+02] No.50), according to the spirit of the municipal government's coordination meeting on promoting real estate development, the housing provident fund loan policy of our city is now adjusted as follows:

1, increase the maximum amount of housing provident fund loans.

Both husband and wife pay provident fund, and the maximum loan amount is raised from 300,000 yuan to 400,000 yuan; If one party pays the provident fund, the maximum loanable amount will be increased from 200,000 yuan to 300,000 yuan.

2. The loan amount is appropriately linked to the deposit amount.

The maximum monthly payment of husband and wife is below 1 1,000 yuan (inclusive), and the maximum monthly payment of one spouse is below 500 yuan (inclusive), which is 200,000 yuan;

Husband and wife pay a maximum of 350,000 yuan per month, with one party paying a maximum of 1000 to 2,000 yuan (inclusive) and the other paying a maximum of 250,000 yuan per month;

The maximum monthly payment of husband and wife is more than 2,000 yuan, the maximum loan is 400,000 yuan, the maximum monthly payment of one spouse is more than 1 1,000 yuan, and the maximum loan is 300,000 yuan;

The monthly contribution of the provident fund is the average monthly contribution in the year before applying for a loan.

3. Extend the loan term. The longest loan period is extended from 25 years to 30 years, and the loanable period is extended to the statutory retirement period for a maximum of 5 years.

Chuzhou housing fund management center

201June 2 1 1 day

You can borrow up to 250 thousand. Let me help you calculate: even if the loan is for 20 years, the interest rate is 4.5%.

Total loan: 250,000.00 yuan.

Monthly repayment: 1, 58 1.62 yuan.

Total interest paid: 129589.63 yuan.

Total principal and interest: 379,589.63 yuan.

The monthly repayment amount is 158 1 yuan.

It is basically in line with your income of 2300 yuan. Plus 780 yuan's provident fund, I can leave 700 yuan every month.

Of course, you can also choose 25 or 30 years, in this case, your monthly payment will be less. It is enough to have a provident fund to repay.

Calculated by 30 years: the interest rate is 4.5%.

Total loan: 250,000.00 yuan.

Number of repayment months: 360 months

Monthly repayment: 1, 266.38+0 yuan.

Total interest paid: 206,065,438+06.78 yuan.

Total principal and interest: 456,065,438+06.78 yuan.

Third, the trial amount of provident fund?

1. Calculated by personal account balance and deposit time: loan amount = (lender's provident fund account balance and spouse's provident fund account balance) × 10 times × (deposit time coefficient). The deposit time coefficient is 1-2 years1.0; 2-3 years is1.2; 3-4 years is1.5; 4 years or more is 2). 2. Calculate the loanable amount according to the purchase situation: if the first family-occupied house is purchased with a construction area of less than 90 square meters, the loanable amount shall not be higher than 80% of the total price of the purchased house; If the construction area is more than 90 square meters, the loan amount shall not be higher than 70% of the total price of the purchased house; If a family buys a second set of self-occupied housing, the amount of provident fund loan shall not be higher than 40% of the total price of the purchased housing. 3. Calculate the loanable amount according to the borrower's family income: the borrower's monthly salary income is calculated and determined according to the deposit base of the housing provident fund, and the spouse's monthly salary income is determined according to the certificate issued by the work unit. The monthly repayment of principal and interest of individual housing provident fund loans shall not exceed 50% of the monthly household income. If the borrower has other loans at present, it will be included in the calculation of monthly repayment principal and interest. 4. Check the loanable amount according to the balance of the provident fund account: if an employee applies for a housing provident fund loan, the loan amount shall not be higher than n times the balance of the housing provident fund account when the employee applies for a loan (if the spouse's housing provident fund is used to apply for a provident fund loan at the same time, it shall be the sum of the balance of the employee's own and spouse's housing provident fund account) (different local policies and loan multiples are different).

Four, the national provident fund loan amount trial

Legal subjectivity: The calculation formula of provident fund loan based on house price is: the loan amount is equal to the house price multiplied by the 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 80% of the purchased loan.

Legal objectivity: In view of the problem that some buyers put forward that "the balance of provident fund in the provident fund account is zero, then the amount of provident fund loan is zero", the amount of Beijing housing provident fund loan is not calculated according to the balance in the lender's provident fund account. At present, the maximum amount of a single housing provident fund loan is 400,000 yuan; The loan amount can be increased by 30% to 520 thousand yuan for loan applicants whose credit rating is AAA in the personal credit evaluation report; The AA category can increase by 15% and reach 460,000. The calculation formula of the maximum loanable amount of the housing accumulation fund of this city is: the remaining amount after deducting the monthly living expenses of at least 400 yuan from the monthly income of the borrower's family (monthly income = the monthly contribution amount of the employee's individual housing accumulation fund ÷ the contribution ratio of the employee's housing accumulation fund), and then dividing it by the monthly repayment amount per 10,000 yuan during the loan application period, which is the maximum loanable amount. At the same time, the specific loan amount and term must meet the requirements of single maximum loan amount, maximum loanable amount and minimum down payment. For example, if you apply for a housing provident fund loan, the individual will pay the housing provident fund in 200 yuan every month, with a deposit ratio of 8%, and the spouse will pay the housing provident fund every month with a deposit ratio of 8%. The loan application period is 10 year, and the purchased house is affordable, with a total house price of 400,000 yuan, so you can borrow at most 330,000 yuan. In addition, the current provident fund loan contract stipulates that early repayment is actually a unilateral breach of contract, so the defaulting party should bear the liability for breach of contract in accordance with the contract, such as paying liquidated damages. However, at present, there is no such provision in the provident fund loan contract, but it is agreed to repay in advance. The specific provision is that after you pay off the principal and interest of the current month, you can repay part or all of the loan in advance. Interest is not charged on part or all of the loan principal repaid in advance after repayment. If the loan is not paid off in full in advance, the prepayment amount of some loans must be an integer multiple of 10000 yuan, at least 10000 yuan. For the remaining loan amount, you can choose to recalculate the monthly repayment amount without changing the loan term, or shorten the loan term appropriately without changing the monthly repayment amount. It is understood that the purchase of owner-occupied housing, you can withdraw the provident fund, but the cumulative withdrawal amount can not be greater than the total purchase price. If you buy a house with a loan, you can also withdraw the provident fund quarterly or annually after buying a house. But one thing to remind you is that when you withdraw the provident fund, you must keep at least one month's deposit in your provident fund account.