The amount of general commercial loans should be calculated by the type and amount of liabilities under the name, as well as the policy control of restricted and unrestricted areas.
There is a possibility of 80% ~ 40%.
It needs to be calculated according to the ratio of income certificate to wage flow, and more than 2.2 times of monthly payment is the standard of income; On the contrary, wage flow divided by 2.2 is the standard of monthly payment.
Two, about the calculation of the loan amount of provident fund loans.
Four calculation methods of housing provident fund loan amount 1. According to the repayment ability, the calculation formula is: [(total monthly salary of the borrower, monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month). Where is the spouse's quota used: [(total monthly salary of husband and wife, monthly contribution of housing provident fund of both husband and wife's work units) × repayment ability coefficient-repayment ability coefficient of existing loans of both husband and wife is 40%, total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio, individual contribution ratio). 2. The calculation formula of the loan amount calculated according to the house price is: loan amount = house price × loan proportion, in which the loan proportion is determined according to the number of units purchased. 3. For housing provident fund loans calculated according to the balance of housing provident fund account, the loan amount shall not be higher than 10 times of the balance of housing provident fund account when employees apply for loans (if spouse housing provident fund is used to apply for provident fund loans at the same time, it shall be the sum of the balance of employee and spouse housing provident fund accounts). If the balance of housing provident fund account is less than 20,000, it shall be calculated as 20,000. 4. The loan amount calculated according to the maximum loan amount shall be remitted to the small loan. 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 a housing provident fund loan, I will normally pay 500,000 yuan to supplement the housing when applying for a housing provident fund loan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse pays the housing provident fund normally, the maximum loan amount is 700,000 yuan.
Third, how to calculate the personal loan rate below 85%?
When the personal loan rate of housing provident fund is less than or equal to 85%, the multiple is calculated by 30 times; When the personal loan rate of provident fund is greater than 85%, the multiple is calculated as 20 times.
When the personal loan interest rate range changes and keeps a stable ratio for six consecutive months, the city center will determine a number of implementation standards and issue them for implementation. According to the current situation of personal loan interest rate of housing provident fund in our city, the loan amount is temporarily calculated at 20 times of the account balance.
4. How to calculate the loan amount?
Tianjin can only apply for provident fund loans after paying for one year. Specific terms can be found on the website of Shanghai Housing Provident Fund Management Center. Tianjin can calculate the amount of provident fund loans on the website (fill in your specific situation and all your questions can be calculated).