Fair enough.

The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, balance of provident fund loan account and maximum loan amount, and the minimum value calculated by the four conditions is the highest borrower.

Loan amount calculated according to repayment ability: (total monthly salary of the borrower) × repayment ability coefficient-total monthly repayment of the borrower's existing loan × loan term (month). If the spouse's quota is used, (the total monthly salary of husband and wife, the monthly contribution of the housing provident fund of both husband and wife's work units) × the total monthly repayment amount, in which the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (the proportion of the unit contribution);

According to the housing 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.

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 (and the sum of the balance of the housing provident fund account when using the spouse's housing provident fund to apply for a provident fund), and if the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000;

Apply for housing provident fund loans according to the housing provident fund with a maximum loan limit of 400,000 yuan; At the same time, the spouse housing provident fund is used, and the maximum loan amount is 600,000 yuan. When applying for housing provident fund, I normally pay supplementary housing provident fund with a maximum loan amount of 500,000 yuan; At the same time, when using the spouse's housing provident fund to apply for housing, I or my spouse will pay the housing provident fund normally, and the maximum loan amount is 700,000 yuan.

2. What is the maximum amount of provident fund loans for both husband and wife?

What is the maximum amount of provident fund loans for both husband and wife? Bian Xiao stipulates that the minimum value calculated according to the balance stored in the housing provident fund account, the maximum loan limit and the multiple of the loan ratio is the maximum loanable amount of the borrower.

1, the maximum loanable amount calculated according to the balance of the housing provident fund account.

The calculation formula is: (balance of provident fund account, monthly contribution of provident fund ×2× statutory retirement months) ×2.

2. The loanable amount calculated according to the maximum loan amount

If one person applies for a housing provident fund loan, the maximum loan amount is 500,000 yuan, and if two or more people purchase the same house and apply for a housing provident fund loan, the maximum loan amount is 800,000 yuan. However, the amount of provident fund loans is related to the borrower's monthly payment and personal credit. Therefore, it is impossible to determine the lender's provident fund loan amount at present. Need to be reminded that the premise of provident fund loans is continuous payment for half a year.

Bian Xiao reminded: According to the Property Law, whether the property purchased by husband and wife is owned by * * * or owned by * * * needs to be reflected in the sales contract and then stated in the property ownership certificate. Therefore, both parties need to be present to sign and confirm. Namely "main loan" and "participating loan"

In the bank's housing loan contract, only one of the husband and wife is generally designated as the "lender", and the other party can be regarded as the "* * * lender". For "* * * and the Lender", it is not only required to be the immediate family members of the Lender (husband and wife, children and parents), but also to be one of the owners of the mortgaged property with the housing loan.

3. What is the maximum loan for husband and wife to deposit provident fund in different places?

Both husband and wife can borrow up to 600,000 yuan from the provident fund.

1. The central bank stipulates that if both husband and wife in the first suite pay the provident fund, the maximum amount is 800,000; If both husband and wife in the second suite pay the provident fund, the maximum is 600,000.

2 husband and wife housing provident fund loan amount = (the provident fund paid by both husband and wife from the date of loan application to the date of retirement) ×2.

4. What is the maximum loan for husband and wife to deposit provident fund in different places?

Hello, the provident fund can't be loaned from different places.

But it can be withdrawn as a house payment.