Nowadays, due to the high housing prices, many people don't have enough funds to buy a house in full, so many people choose to borrow money to buy a house. So what is the loanable amount of commercial loans for buying a house in Shanghai? What are the precautions for housing loans in Shanghai? Next, Bian Xiao will introduce relevant contents to you. Let's have a look.
What is the loanable amount of commercial loan for buying a house in Shanghai?
1. If a resident family purchases the first home, that is, if there is no home in Shanghai under the name of the resident family and there is no record of commercial housing loan or provident fund loan, it will apply for a commercial personal housing loan with a commercial loan amount of about 65%.
2. Families who already own a house in Shanghai or have no house in Shanghai but have housing loans apply for commercial personal housing loans with a commercial loan amount of about 50%. If you buy a non-ordinary self-occupied house, then the commercial loan amount is about 30%.
What are the precautions for housing loans in Shanghai?
1. Don't repay the loan in advance within one year. According to the relevant provisions of provident fund loans, part of the prepayment should be made after one year of repayment, and the amount returned should exceed the repayment amount of six months.
2. You can't use the provident fund before applying for a loan. If the borrower withdraws the balance of the provident fund to pay the house payment before the loan, then the balance of the provident fund in the provident fund account is zero, which means that the amount of the provident fund loan is zero.
Don't forget to cancel the mortgage after the loan is paid off. After the borrower has paid off all the principal and interest of the loan, he can cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificates of the collateral to the core of the real estate transaction in the district where the real estate is located.
If it is difficult to repay the loan, don't forget to find the bank around you. When the borrower's debt repayment ability declines during the loan period and it is difficult to repay, don't insist on it yourself. You can apply to the bank for an extension of the loan period.
Abstract: The above is what Bian Xiao introduced to you about the loanable amount of commercial loans for buying houses in Shanghai, hoping to help some friends in need.
What is the loan amount of Shanghai provident fund? The calculation method of Shanghai provident fund loan amount is coming.
As one of the first-tier cities in China, Shanghai's housing prices are naturally relatively high. Ordinary people who want to buy a house in Shanghai must apply for a personal housing loan. Some borrowers will apply for provident fund loans considering the interest cost of loans. What is the loan amount of Shanghai provident fund? The calculation method of Shanghai provident fund loan amount is coming!
What is the loan amount of Shanghai provident fund?
According to the regulations, the maximum loan amount of Shanghai family housing provident fund is 6,543,800 yuan, and that of individuals is 500,000 yuan. If the borrower has supplementary provident fund, the maximum loan amount of family provident fund is 6.5438+0.2 million yuan, and the maximum personal loan amount is 600,000 yuan.
If the housing purchased by the borrower is a second suite, the maximum loan amount of the family provident fund is 800,000 yuan, and the maximum loan amount of the individual is 400,000 yuan. If there is supplementary provident fund, the maximum loan amount of family provident fund is 6.5438+0 million yuan, and the maximum loan amount of individual is 500,000 yuan.
The calculation method of Shanghai borrowers' provident fund loan amount is mainly determined by four factors. The calculation formula is: the borrower's salary base for calculating the monthly payment of housing provident fund is 40% 12 months loan period.
Not higher than the loan amount determined according to the multiple of the amount stored in the housing provident fund account of the borrower, spouse and borrower (30 times of the balance of the provident fund account and 10 times of the balance of the supplementary provident fund account); Not higher than the loan limit determined according to the proportion of the total house price; Not higher than the loan amount determined by the family according to the repayment ability; Not higher than the maximum loan amount.
When borrowers use provident fund loans, they should first check the balance of their provident fund accounts. In principle, borrowers with less balance can apply for less loan amount.
The above is the sharing of "What is the loan amount of Shanghai Provident Fund?" I hope it will help everyone!
What is the loan amount of Shanghai provident fund renovation? What is the formula for calculating the loanable amount of provident fund?
Shanghai provident fund renovation loan amount
Shanghai provident fund renovation loan application amount: the maximum amount of individual housing provident fund loans generally does not exceed 200,000 yuan. More than 200,000 yuan shall be examined and approved by the central loan review committee. The loan amount is generally determined by the proportion that the borrower's monthly repayment amount does not exceed 50% of his family income.
The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, percentage of house price, balance of housing provident fund account and loan limit. The minimum value calculated by the four conditions is the borrower's high loanable amount.
Formula of loanable amount of provident fund
1, the loan amount that can be calculated 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).
2. Use according to the spouse's quota.
[(total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan term (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).
Total household loans in Shanghai
According to the data of Shanghai headquarters of China People's Bank, on March 3, 2020, the total loans of Shanghai residents were 79 1 and 78 1 billion yuan.
How much is the mortgage for 20 rooms in Shanghai?
Assuming that the mortgage amount of 20 houses in Shanghai is 6,543,800 yuan, according to the common loan conditions in the market, such as the loan term is 30 years and the loan interest rate is 4.9%, the total interest of the mortgage is about 666,000 yuan, the monthly payment is about 33,000 yuan, and the total loan finally returned is 6,543,800 yuan.
What is the loan amount of Shanghai provident fund? What is the calculation formula?
What is the loan amount of Shanghai provident fund? What is the calculation formula? Come and have a look with me.
How big is the pressure to buy a house in Shanghai now? Most property buyers will use provident fund loans when buying a house in Shanghai. What is the calculation formula of Shanghai provident fund loan?
1. The formula for calculating the loan amount according to the repayment ability is:
[(total monthly salary of the borrower, monthly contribution of the borrower's housing provident fund) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan term (month).
2. According to the quantity used by the spouse:
[(total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan term (month). Among them, the repayment ability coefficient is 40% of the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution).
3. Loan amount calculated according to house price:
The calculation formula is: loan amount = house price × loan ratio.
4. The loan amount calculated according to the maximum loan amount:
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 housing provident fund loans, the maximum loan amount is 600,000 yuan. I use my housing provident fund to apply for a housing provident fund loan, and if I normally repay the housing provident fund when applying for a loan, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.