Salary 15000, mortgage 9000: the pressure is ok.

If we can control consumption, we can buy a house without affecting the quality of life.

How much can I borrow from the provident fund 15000?

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 of provident fund loan amount is as follows:

1. The formula for calculating the loan amount according to the repayment ability 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. According to the amount of spouse's use: [(the total monthly salary of both husband and wife, the monthly contribution of housing provident fund of both husband and wife's work units) × repayment ability coefficient.

The monthly salary is about 15000, and the current car loan is 5000 per month. Now I want to buy a house and take out a loan 10 years or so. How many loans can I apply for?

Every bank is different, depending on whether you are a pure commercial loan or a provident fund loan. 300,000 ordinary provident fund;

The monthly repayment of portfolio loan is 8000 yuan, and the salary 15000 yuan can be used for loan?

I can't. Portfolio lenders need income to repay their loans on a monthly basis, and the income cannot exceed twice the family income. Therefore, the monthly salary 15000 cannot be used to repay a portfolio loan of 8000 yuan. Portfolio loan means that the borrower meets the conditions of individual housing commercial loan and pays the housing provident fund at the same time.

After one month's salary tax 15000, mortgage 2300, car loan no! Can you live?

Thank you for your question. Bian Xiao is dedicated to sharing various workplace experiences with you and updating them daily. I beg your attention and praise. Let's talk about my opinion.

After one month's salary tax 15000, the mortgage is 2300. Can you live without a car loan? Dude, you're kidding. I think, first of all, your salary is 15000. After deducting the mortgage, your disposable income is 12700. You have a car, and the cost of car maintenance is about 3000 yuan a month (relatively common), leaving 9700,9700 yuan a month. Even if there are three people in a family, you are not single. Let's share Bian Xiao's point of view:

1. Your salary

First of all, your current salary is 15000, which is about 18000 ~ 20000 before tax. Even if it is placed in an established first-tier city, it is still in the middle level (there is still a distance), which is very good;

And if it is in a small city, it will be more level, which needs to be affirmed first. Very good. If you can't survive at this level, you are equivalent to slapping many people.

2. Your mortgage

On the level, it's only 2,300 yuan a month (Bian Xiao's mortgage is one month 12000, which is very enviable), no matter where it is put, it's an enviable level, and the mortgage only accounts for about 15% of the salary, which is the healthy state that people have been pursuing.

Besides, you have a car and no loan. Your present level is not a dragon among people, but it is already very, very good. It is much better than many first-tier cities with a monthly salary of 30,000 to 40,000 and a monthly salary of 10,000 to 20,000. There is nothing to live.

The above is Bian Xiao's point of view. If you have different opinions or suggestions, please leave a message in the comments section. Thank you!

How much can I borrow from the provident fund 2 1000?

Because of different policies in different places, the amount of provident fund loans naturally varies greatly.

Take Chengdu as an example, the maximum loan amount for a single employee is 400,000 yuan.

Individual loanable amount of Chengdu provident fund loan = borrower's provident fund deposit balance ×20 times× deposit time coefficient (upper limit: 400,000 yuan)

Loan amount of Chengdu provident fund loan family = (borrower's provident fund deposit balance * * * and borrower's provident fund deposit balance) 20 times × deposit time coefficient.

Deposit time coefficient: the continuous normal deposit time is less than 12 months, and the time coefficient is 0.5; 12-24 months with a time coefficient of 0.9; Over 24 months, the time coefficient is1; The deposit time coefficient of off-site loans is unified to 0.5.

Suppose you pay the housing accumulation fund for 3 years in a row, and your monthly salary is 15000 yuan. After withdrawing part of the provident fund, the current balance of the provident fund account is 2 1000 yuan.

The amount of provident fund loan that can be applied for = 21000× 20×1= 420,000 yuan.

420,000 yuan > 400,000 yuan

You can apply for a provident fund loan of up to 400,000.