I. Calculation formula of housing provident fund loan amount
Loan amount = balance of housing provident fund account of husband and wife in the month when the borrower applies for loan × 1.2+ housing provident fund expected to be paid by husband and wife from the month when the borrower applies for loan to the date of retirement × liquidity adjustment coefficient α.
(1) The liquidity adjustment coefficient α is determined according to the following standards and adjusted quarterly.
(2) Personal loan utilization rate = personal loan balance ÷ housing accumulation fund balance × 100%.
(3) When liquidity is tight, the adjustment coefficient α of employees who apply for housing provident fund loans for the first time is still 1.0.
(4) After1998121,the balance of the employee's monetary subsidy account and the monthly payment are not counted.
Two, employees to apply for housing provident fund loans (excluding the combination of supporting commercial loans), in addition to calculating the loan amount according to the above calculation formula, but also must meet the following conditions.
(a) the housing provident fund loan amount is less than or equal to the maximum loan amount of the provident fund;
(two) the amount of housing provident fund loans is less than or equal to 80% of the value of collateral;
(three) the monthly debt of the employee's family is less than or equal to 60% of the monthly income of the employee's family;
Three, the maximum amount and minimum amount of housing provident fund loans
(a) when the liquidity is loose and normal, the maximum amount of employee family housing provident fund loans will be 800,000 yuan for double employees and 500,000 yuan for single employees;
(two) when the liquidity is tight, the maximum amount of employee family housing provident fund loans is unified as 600 thousand yuan for dual employees and 400 thousand yuan for single employees;
(3) In order to support the housing needs of low-income families, regardless of the liquidity of funds, the minimum amount of housing provident fund loans is determined to be 200,000 yuan.
(4) When liquidity is tight, employees' families who apply for housing provident fund loans for the first time and have no housing under their names are not restricted by the liquidity of housing provident fund funds. The maximum loan amount of housing provident fund for dual employees is 800,000 yuan, and the maximum loan amount of housing provident fund for single employees is 500,000 yuan.
(5) At present, the liquidity of the provincial center is in a normal state, with the maximum loan amount of 800,000 yuan for dual employees and 500,000 yuan for single employees.
For example, in the first three months of last quarter, the utilization rates of personal loans in provident fund centers were 82.20%, 84.50% and 86.20%, respectively, which belonged to the normal period of liquidity, and the liquidity adjustment coefficient was 1.0.
An employee (male, 40 years old) pays a monthly fee of 1440 yuan (base 6000 yuan), and the current balance of the provident fund account is 80000 yuan. The spouse is 38 years old, and the monthly payment is 1.200 yuan (base: 5,000 yuan). The current balance of the provident fund account is 45,000 yuan. There is a car loan at home, and the monthly payment is 2000 yuan.
Calculated loanable amount of deposit: (80000+45000) ×1.2+[1440 × 240 (months from application date to retirement date)+1200×204 (months from application date to retirement date)].
At present, the maximum loan amount for dual employees is 800.7404 million yuan ≤ 800,000 yuan.
Calculation of repayment ability: According to the equal principal and interest of 740,000 yuan loan for 20 years, the monthly repayment amount of provident fund loan is 4 197 yuan, (4197+2000) ≤ 6000+5000 * 60%.
According to comprehensive calculations, the amount of housing provident fund loans that employees' families can apply for is 740,000 yuan.