The provident fund loan formula is as follows:

1. The calculation formula of provident fund loan based on repayment ability is:

Loan amount = [(total monthly salary of the borrower or husband and wife, monthly contribution of housing accumulation fund of the unit where the borrower or husband and wife work) × repayment ability coefficient 40%- monthly repayment amount of the existing loan of the borrower or husband and wife ]× 12 (month )× loan period.

Total monthly salary = monthly contribution of provident fund/(unit contribution ratio and individual contribution ratio);

2. The calculation formula of provident fund loan based on house price is:

Loan amount = house price × 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.

3. According to the maximum loan amount:

I use the housing provident fund to apply for a loan provident fund loan and meet the application conditions. The maximum amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a loan and the loan application conditions are met, the maximum loan amount is 700,000 yuan.

4. The calculation formula of provident fund loan based on the balance of provident fund account is:

Provident fund loan amount = balance of provident fund accounts of borrowers and participants ×20

Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.

The definition of housing provident fund includes the following five aspects:

1. The housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas.

2. Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.

3. The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit.

4. The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.

5. Housing accumulation fund is a personal housing savings fund specially used by employees for housing consumption expenditure, which has two characteristics: accumulation and specificity.

Main attributes

Housing accumulation fund:

1, security, the establishment of employee housing provident fund system, providing a guarantee for employees to solve housing problems faster and better;

2. Mutual assistance, the establishment of housing provident fund system can effectively establish and form a mechanism and channel for workers with housing to help workers without housing. Housing provident fund provides financial assistance to workers without housing, which reflects the mutual assistance of housing provident fund to workers;

3. In the long run, every urban employee must pay personal housing provident fund from the date of joining the work to the date of retirement or termination of labor relations; The employee's unit should also pay the housing provident fund for employee subsidies as required.

main feature

housing accumulation fund

1, universal, urban workers, regardless of the nature of their work units, family income, and whether they have housing, must pay the housing provident fund in accordance with the provisions of the Regulations;

2, mandatory (policy), the unit does not apply for housing provident fund deposit registration or does not set up housing provident fund accounts for employees of the unit, the housing provident fund management center has the right to order it to handle within a time limit, overdue, can be punished according to the relevant provisions of the "Regulations", and can apply to the people for compulsory execution;

3, welfare, in addition to the housing provident fund paid by employees, the unit has to pay a certain amount for employees, and the interest rate of housing provident fund loans is lower than that of commercial loans;

4. Repayment: the employee retires, resigns, or completely loses the ability to work and terminates the labor relationship with the unit, and the household registration moves out or settles abroad. The paid housing provident fund will be returned to individual employees.

What is the calculation method of provident fund loans?

What is the calculation method of provident fund loans? The calculation of housing provident fund loan amount should be determined according to four conditions: repayment ability, the proportion of housing price, the balance of housing provident fund account and the maximum loan amount. The minimum value calculated according to the four conditions is the maximum loanable amount of the borrower. The calculation method is as follows: 1 The loan amount is calculated according to the repayment ability. The calculation formula of the employee's own loan amount is: × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period. The calculation formula of husband and wife loan amount is: × repayment ability coefficient-total monthly repayment amount of husband and wife's existing loans ]× loan term. Among them, the repayment ability coefficient is 40%. Total monthly salary = monthly contribution of provident fund ÷. 2. The calculation formula of the loan amount calculated according to the house price is: loan amount = house price × loan ratio A. Purchase of commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sales of affordable housing or private housing. Workers' family loans to buy the first set of housing, the loan amount does not exceed 80% of the purchased housing price. Among them, the housing price of private property housing is the lower value of the total purchase price and the housing evaluation price. Workers' family loans to buy the second set and other self-owned houses that meet the purchase conditions of our city, and the loan amount shall not exceed 70% of the purchased house price. The purchase of targeted resettlement affordable housing, the loan amount should not be higher than the difference between the total price of the purchased housing and the amount of housing compensation. B for the purchase of existing public housing, the loan amount shall not exceed 70% of the purchased housing price; In rural collective land construction, renovation, overhaul of their own housing, the loan amount does not exceed 70% of the required costs. 3. Calculate the loan amount according to the balance of the housing provident fund account. A. If you purchase price-limited commercial housing or affordable housing, the loan amount shall not be higher than 20 times the balance of the housing provident fund account when employees apply for provident fund loans, and the balance of the housing provident fund account shall be calculated at 20,000 yuan. B. If the first self-owned house is purchased by loan, the loan amount shall not be higher than 20 times the balance of the housing provident fund account when the employee applies for provident fund loan; if the balance of the housing provident fund account is less than 20,000 yuan, it shall be calculated as 20,000 yuan. C the loan amount shall not be higher than 10 times the balance of the housing provident fund account when the employee applies for a loan. If the balance of the housing provident fund account is less than 20,000, it will be calculated as 20,000: the loan is used to purchase a second house; Purchase public housing; Construction, renovation or overhaul of self-owned housing on rural collective land. 4. If the loan amount calculated according to the maximum loan amount uses my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 600,000 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 800,000 yuan. When applying for a loan, employees or their spouses pay housing subsidies normally on a monthly basis, with reference to the provisions on normal payment of supplementary housing provident fund. The calculated loan amount is reserved to thousand, and the number below thousand is not zero plus one. The calculation method of provident fund loan will be based on the repayment ability of the applicant, the account balance of individual provident fund and the transaction amount of house price, and then the audit department will issue different calculation methods according to the maximum amount of different loans. If the loan repayment ability is divided as above, it can be divided into two ways: individual repayment of loans by employees and joint repayment of loans by husband and wife.

How to calculate the provident fund loan

The calculation method of housing provident fund loan is according to the interest rate stipulated by the state. According to the law, from June 28th, 2005 to June 28th, 2065438, the deposit interest rate of individual housing provident fund collected in that year was 0.35%, and the deposit interest rate of individual housing provident fund carried over from the previous year was lowered by 0.25%, from 1.85% to 1.6%.

legal ground

Article 1 of the Notice of the Ministry of Housing and Urban-Rural Development on Adjusting the Deposit and Loan Interest Rate of Housing Provident Fund in accordance with the provisions of the People's Bank of China.

2065438+From June 28th, 2005, the deposit interest rate of individual housing provident fund will be lowered. Among them, the deposit interest rate of individual housing provident fund collected in that year remained unchanged at 0.35%; The deposit interest rate of individual housing provident fund carried forward from the previous year was lowered by 0.25 percentage points, from 1.85% to 1.6%.

second

2065438+From June 28th, 2005, the interest rate of individual housing provident fund loans will be lowered. The interest rate of individual housing provident fund loans for more than five years was lowered by 0.25 percentage points, from 3.75% to 3.5%. The interest rate of individual housing provident fund loans for five years or less was lowered by 0.25 percentage points, from 3.25% to 3%.

essay

From June 28th, 2005 to June 28th, 2065438, the interest rate of housing provident fund loans to support the construction of affordable housing will be increased by 10% according to the adjusted interest rate of individual housing provident fund loans for more than five years.

Please click to enter the picture description (maximum 18 words).

How to calculate the provident fund mortgage

The calculation methods of housing provident fund loans include average capital repayment method, that is, monthly repayment amount = loan principal/repayment months (principal-accumulated amount of repaid principal) × monthly interest rate, equal principal and interest repayment method and free repayment method. The specific way shall be agreed by the parties in the loan contract.

legal ground

Article 26 of the Regulations on the Management of Housing Provident Fund

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Article 27

Applicants who apply for housing provident fund loans shall provide guarantees.

Article 668 of the Civil Code

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article six hundred and eighty

It is forbidden to lend at high interest rate, and the lending rate shall not violate the relevant provisions of the state.

skill

The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

How to calculate the loan amount of housing provident fund

The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, the proportion of provident fund loan to house price, the balance of housing provident fund account and the 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:

Loan amount calculated according to repayment ability: (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 term (month). If the spouse's quota is used, (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 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);

Loan amount calculated according to house price: loan amount = house price × loan amount. The loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage sets;

According to the loan amount calculated by the balance of the housing provident fund account, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when the employee applies for a loan (at the same time, using the spouse housing provident fund to apply for a provident fund loan is the sum of the balance of the employee's own and spouse's housing provident fund account), and if the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000;

According to the loan amount calculated by the maximum loan amount, if I use my housing provident fund to apply for a high-amount housing provident fund loan, 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 housing provident fund loans, and if I pay the housing provident fund normally when applying for loans, 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.

What is the formula for calculating the loan amount of provident fund?

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:

1, according to repayment ability

The calculation formula is:

{(total monthly salary of the borrower and 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).

Use spouse quota:

{(total monthly salary of both husband and wife, monthly contribution of housing provident fund of both husband and wife's work units) × repayment ability coefficient-total monthly repayment amount of existing loans of both husband and wife }× loan period (month).

Among them, the repayment ability coefficient is 40%.

Total monthly salary = monthly contribution of provident fund ÷ (proportion of unit contribution and proportion of individual contribution).

2. According to the house price

The calculation formula is:

Loan amount = house price × loan ratio

Among them, the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans:

A purchase of commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sales of affordable housing or private housing.

Workers' families (including employees, spouses and minor children, the same below) who purchase the first set of housing (including commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sale of affordable housing or private property housing) with a construction area of less than 90 square meters (including 90 square meters) shall pay a down payment of not less than 20% of the purchased housing price, and the loan amount shall not be higher than 80% of the purchased housing price; If the construction area of the purchased house exceeds 90 square meters, a down payment of not less than 30% of the purchased house price shall be paid, and the loan amount shall not be higher than 70% of the purchased house price.

If an employee buys a second house with a family loan, the down payment shall not be less than 50% of the house price, and the loan amount shall not be higher than 50% of the house price.

Workers' family loans to buy third and above houses will suspend the issuance of personal housing provident fund loans.

When purchasing private housing, if the housing price is inconsistent with the assessed price, the lower of the two shall be the approved limit.

The purchase of targeted resettlement affordable housing, the loan amount should not be higher than the difference between the total price of the purchased housing and the amount of housing compensation.

B for the purchase of existing public housing, the loan amount shall not exceed 70% of the purchased housing price; For the construction, renovation and overhaul of self-owned housing, the loan amount shall not exceed 70% of the cost of housing construction and repair.

3. According to the account balance

When employees apply for housing provident fund loans, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when employees apply for loans (if the spouse housing provident fund is used to apply for housing provident fund loans at the same time, it is the sum of the balance of the employee's and spouse's housing provident fund accounts). If the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000.

4. According to the maximum limit

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.

According to the development of cities and the storage of provident funds, some cities have relaxed the amount of provident fund loans. For example, Xi and Guangzhou provide 60W personal loans.

I use my housing provident fund to apply for housing provident fund loans, and if I pay the housing provident fund normally when applying for loans, 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.

When applying for a loan, employees or their spouses pay housing subsidies normally on a monthly basis, with reference to the provisions on normal payment of supplementary housing provident fund.

The calculated loan amount is reserved to thousand, and the number below thousand is not zero plus one.

Note: The maximum loan age of the provident fund is 65 years old, and the monthly income is lower than that of 800 yuan, so it is impossible to make a loan because it has no repayment ability.

Under the condition of constant monthly income: the loan amount is the same within 35 years old, and the loan amount and years from 35 to 65 years old decrease with age.

With the same age: 800- 1700 yuan, the loan amount will increase with the increase of income, and the income above 1700 yuan is the same loan amount.

Extended data:

Personal application for provident fund loan process:

Individuals who need to buy a house, build a decorated house, rent a house or decorate a house can apply for a provident fund loan. The specific process is as follows:

1. The borrower brings all the loan materials, submits a written application to the outlet of the local housing provident fund management center, and fills in the Housing Provident Fund Loan Application Form;

2, housing provident fund is responsible for the loan qualification, guarantor qualification, loan amount, loan period review;

3. After passing the examination, the borrower signs relevant loan contracts and agreements and handles insurance;

4. The Housing Provident Fund Center issues a loan approval notice to the bank, and entrusts the bank to sort out the materials to the real estate transaction department for mortgage pledge procedures;

5. After the mortgage pledge certificate comes out, the bank sorts out the borrower's materials and sends them to the provident fund management institution for re-examination;

6. Pass the bank loan review.

Note that you cannot apply for provident fund loans in the following four situations:

1, the building structure is brick-wood structure and mixed structure;

2. Use for non-residential houses and low-density commodity houses;

3. Have used housing provident fund loans twice;

4 do not meet the conditions of other provident fund loans.

Application conditions for provident fund loans:

Provident fund loans are loans that employees who pay housing provident fund can enjoy. As long as you pay the provident fund, you can apply for individual housing provident fund loans in accordance with the relevant provisions of provident fund loans. The application conditions for provident fund loans are as follows:

1. The applicant has a permanent residence in this city or a valid residence certificate.

2. The applicant must continuously deposit the housing provident fund in full for at least 12 months before the application, or continuously deposit it for more than 12 months after withdrawing the provident fund.

3. Applicants need to have a legal and stable job and income, a stable economic income and the ability to repay loans.

4. The applicant shall have the contract or relevant supporting documents for purchasing, building, renovating and overhauling the self-occupied ordinary house in this city.

5. The applicant's personal credit should be good, meet other conditions stipulated by the provident fund center, and agree to guarantee according to the guarantee method recognized by the provident fund center.

6. If it is husband and wife, then both husband and wife must have no outstanding housing provident fund loans and housing provident fund policy discount loans.

Of course, the provident fund loan policies may be different in different places, so you'd better consult the relevant local departments and take the actual situation as the standard.