1. How to calculate the amount of provident fund loans

The loan amount is the balance in your provident fund account multiplied by a multiple (currently it is generally 3 times, which varies slightly from place to place). For example, Shanghai is now 3 times the balance of the provident fund, with a maximum of 3, yuan.

According to your question, you should pay 1 yuan every month, and your company should also pay 1 yuan. The money you pay into your provident fund account every month is 2 yuan, and you have paid for 2 years, 224 = 4,8 yuan, calculated at 3 times: 48,3 = 144, yuan. The amount of provident fund loan you can apply for is 144, yuan.

I hope it helps you.

second, how is the amount of provident fund loans calculated?

the loan amount of provident fund is obtained according to the results of four aspects, namely repayment ability, house price, maximum amount and balance of provident fund account, and the minimum value of these four aspects is the maximum amount of provident fund that can be applied for

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

loan amount = [(the total monthly salary of the borrower or both husband and wife, the monthly contribution of the housing provident fund of the unit where the borrower or both husband and wife work) × repayment ability coefficient.

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

loan amount = house price × loan ratio. If the construction area of the house purchased exceeds 9 square meters, the loan amount shall not exceed 7% of the purchase price; If the building area is less than 9 square meters, the loan amount shall not exceed 8% of the purchased loan.

3. According to the maximum loan amount:

The maximum loan amount for using my housing provident fund is 5, yuan; At the same time, if the spouse's housing provident fund is used to apply for a loan, the maximum loan amount is 7, yuan.

4. The calculation formula of provident fund loans based on the balance of provident fund accounts is:

the amount of provident fund loans = the balance of provident fund accounts of borrowers and borrowers × 2

Extended information:

Provident fund refers to housing provident fund, which is a housing security system and a form of monetization of housing distribution. Sometimes it refers to the company's provident fund.

since July 1st, 217, the transfer and connection business of housing provident fund in different places has all been handled through the "National Platform for Transfer and Connection of Housing Provident Fund in Different Places". Gradually realize "accounts go with people and money goes with accounts". At the same time, we will vigorously promote off-site loan services to meet the demand for funds for paid employees to purchase houses across regions.

On February 18, 216, according to the Notice of the Central Bank, the Ministry of Housing and Urban-Rural Development and the Ministry of Finance on Perfecting the Formation Mechanism of Deposit Interest Rate in Employees' Housing Provident Fund Accounts, from February 21, the deposit interest rate in employees' housing provident fund accounts was adjusted from the current benchmark interest rate for current and three-month deposits according to the collection time to the benchmark interest rate for one-year fixed deposits.

Third, how is the amount of provident fund loans calculated?

1. Provident fund loans have requirements for the balance of provident fund accounts, and the balance of accounts is one of the elements for calculating the amount of provident fund loans. The formula for calculating the loan amount of provident fund according to the account balance is: the monthly amount of provident fund paid by the loan employees ÷ the proportion of provident fund paid by the loan employees × the repayment ability coefficient (currently .45)×12× the actual loanable years. 2. Lenders can apply for housing provident fund loans only after ensuring that there is a deposit balance of at least 6 months in the provident fund account. Provident fund loan process 1. Calculate the loan amount and duration If the buyer wants to borrow through the provident fund, then the buyer should first go to the developer or the local provident fund management center to understand the relevant matters of provident fund management, and can calculate the amount and duration of the loan that he can borrow. 2. Apply for a loan After the buyer determines that he can apply for a provident fund loan, the buyer can apply for a loan to a bank that can undertake a provident fund loan, and provide a copy of the information needed for the loan, and bring the original for inspection. 3. Signing a contract When the application for provident fund loan of the buyer is approved, then the buyer needs to go to the provident fund service hall to sign a loan contract. 4. Handling procedures After the buyer signs the loan contract, the buyer can handle the purchase transaction and mortgage registration procedures. 5. Bank Lending After the buyers have completed all the above procedures, the loan undertaking bank will lend money to the applicant according to the Loan Contract, and the funds will be directly transferred to the account designated by the developer. Calculation of personal provident fund loanable amount 1. Personal loanable amount is calculated according to 15 times the average monthly balance of housing provident fund account, and the employee's personal loanable amount is calculated and determined according to a certain multiple of the average monthly balance of housing provident fund account. The calculation formula is: employee's personal loanable amount = x multiple of the average monthly balance of employee's housing provident fund account (the multiple of Hangzhou main city, Xiaoshan District, Yuhang District and Fuyang District is currently determined according to 15 times). 2. The average monthly balance of the housing provident fund account refers to the average balance of the housing provident fund account at the end of the month (excluding the one-time payment in the past 12 months) when employees apply for loans (less than 12 months are determined according to the actual number of months). Note: The calculation result of the personal loan limit of employees is rounded to the nearest thousand places. If it is less than 15, yuan, it will be determined as 15, yuan; if it is more than 5, yuan, it will be determined as 5, yuan.

IV. How to calculate the amount of provident fund loan in 222? There are the following two calculation methods

1. Single-person application: the amount of provident fund loan = [(the monthly amount of housing provident fund paid by the borrower's unit) × the total amount to be repaid ]× the loan period (month);

the loan amount of provident fund = [(the monthly deposit amount of housing provident fund of the borrower and * * * the same borrower's unit) × repayment ability coefficient-the total monthly repayment amount of the existing loan of the borrower and * * * the same borrower ]× loan period (month).

the above is how to calculate the amount of provident fund loans in 222. Precautions for prepayment of the provident fund

1. The prepayment time of the provident fund is limited: for prepayment of the provident fund, if the user needs to pay off all the residential mortgage in one time before one year, then the user can choose the prepayment department to pay off all the principal and interest;

2. The repayment amount of one point in advance is relatively large: when choosing the provident fund to repay the loan in advance, the repayment amount of each loan should be an integer multiple of 1, RMB, and not less than 12 months

3. Pay attention to the deduction order: the repayment order of the public has been required, and the user needs to repay the loan principal and interest that needs to be repaid in the overdue loan period before the final remaining amount can be used to repay the principal of the residential provident fund loan;

4. It's not the same if the provident fund repays the loan in advance. There is no need to pay liquidated damages for repaying the loan in advance, which is also a great benefit of using the provident fund loan to buy a house;

5. methods of prepayment of provident fund: there are three methods of prepayment of provident fund: prepayment in full, prepayment in part with the loan term unchanged, prepayment in part with the loan term reduced;

6. Is repayment worthwhile? Housing loans are divided into two repayment methods: average capital and equal principal and interest. Among them, the proportion of principal in the monthly repayment of equal principal and interest increases month by month. If the equal repayment of principal and interest has reached the mid-term, it is not cost-effective to repay the loan in advance at this time, which is more personal principal. How long does it take to repay the provident fund loan contract

Generally, the provident fund loan is repaid in the second month after signing the contract. Users must repay the loan that needs to be repaid when repaying, and don't miss the repayment date. What is promised in the agreement is the time for deducting the fees from the user's repayment account. The user needs to deposit the repayment amount in full into the repayment account the day before the repayment date. If the deduction is unsuccessful on the day of the deduction, it will easily lead to overdue. If the amount in the provident fund account is less than one month, it will not be operated until the account is reached. The main content is how to calculate the amount of provident fund loans in 222. The content is for reference only.