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. I use my housing provident fund to apply for a housing provident fund loan, and if I normally repay the housing provident fund when applying for a loan, 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.

Provident fund loan amount refers to the maximum loan amount that an individual can apply for when using provident fund loans. Only employees who have permanent residence in local towns, have established the housing provident fund system for more than 2 years, and have paid the housing provident fund according to the regulations can enjoy the provident fund loan when the funds for purchasing or building houses or renovating or overhauling their own houses are insufficient.

Housing provident fund loan amount:

Provident fund loan amount refers to the maximum loan amount that an individual can apply for when using provident fund loans. Only employees who have permanent residence in local towns, have established the housing provident fund system for more than 2 years, and have paid the housing provident fund according to the regulations can enjoy the provident fund loan when the funds for purchasing or building houses or renovating or overhauling their own houses are insufficient. 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 gold loan amount is as follows:

(1) Loan amount calculated according to repayment ability,

(2) According to the amount used by the spouse, the repayment ability coefficient is 40% of the total monthly salary = the monthly contribution of the provident fund ÷ (unit contribution ratio and individual contribution ratio).

(3) The calculation method of loan amount based on house price is as follows: loan amount = house price × loan ratio.

(4) the loan amount calculated according to the maximum loan amount

What is the loan amount of railway provident fund? What is the process of railway provident fund loan?

Railway provident fund loan, I believe friends must be very confused when they hear this word. What does this mean? In fact, the railway provident fund loan is also a kind of provident fund loan, but the target group is railway workers. The management institution is different from the local provident fund institution and is managed by the railway department. What is the loan amount of railway provident fund?

Railway provident fund loan, I believe friends must be very confused when they hear this word. What does this mean? In fact, the railway provident fund loan is also a kind of provident fund loan, but the target group is railway workers. The management institution is different from the local provident fund institution and is managed by the railway department. What is the loan amount of railway provident fund? What is the process of railway provident fund loan? Let's take a look together.

What is the loan amount of railway provident fund?

The loan amount of railway provident fund is generally 600,000, which does not exceed 70% of the total price of the purchased house, but if it is a second application, it is 500,000, which does not exceed 40% of the total price. Please refer to the following for details.

1. For those who apply for provident fund loans, the loan amount is 600,000 yuan, and the loan amount does not exceed 70% of the total price of the purchased house (it can be relaxed to 80% if the purchase area is less than 90 square meters);

2. If employees apply for provident fund loans for the second time, the high loan amount is 500,000 yuan, and the high loan amount does not exceed 40% of the total house price.

3. Calculation of loan amount:

Loan amount = (sum of employee provident fund monthly deposit/unit and individual deposit ratio and spouse provident fund monthly deposit/unit and individual deposit ratio) × loan coefficient × 12 months× loan period.

In addition to the above three items, we should also pay attention to the calculation of repayment ability, which has an important impact on the loan amount. The ability of employees to repay loans is based on the standard that the accumulated monthly payment of total family liabilities does not exceed 50% of the monthly income of employees' families. The proof of repayment ability needs to provide nearly half a year's income as a reference, which is an important proof that families have repayment ability.

What is the process of railway provident fund loan?

1. Submit a written loan application and related materials.

After determining the eligibility of railway provident fund loan, submit the loan application and the required information. You can apply directly to the relevant departments or hand it over to the bank.

2. Sign loan contracts and guarantee contracts.

If the application is passed, the loan contract and guarantee contract will be signed next. At this time, you may need to open a bank card of the relevant bank.

3. Handle mortgage loans and other related procedures.

Next, you need to go to the bank for mortgage registration, contract notarization and home insurance. These processes can be done according to the requirements of the staff, and the difficulty is not great.

4. Open an account and transfer money

The bank will open an account according to the contract requirements and transfer the loan funds to a special account.

5. Repay as promised

According to the repayment plan and repayment method agreed in the loan contract, the borrower entrusts the bank to deduct money by stages or go to the bank counter to repay the principal and interest of the provident fund loan on schedule.

6. Loan settlement

The bank issues the Loan Settlement Certificate for the borrower, and the borrower retrieves the mortgage registration certificate and other documents, and goes to the original mortgage registration department for mortgage registration cancellation.

The above is about the loan amount of railway provident fund. What is the process of railway provident fund loan? Railway provident fund loans only apply to residents' housing loans. If it is a commercial building such as an office building or a shop, you cannot enjoy the policy of withdrawing housing provident fund from the first suite. It is also mentioned that the process of handling railway provident fund loans is more complicated than this. You can go to the housing provident fund management website of local provinces and cities to inquire about relevant knowledge.

/kloc-how much can I borrow from the 0/2-year retirement railway provident fund?

According to relevant information, the maximum is 600,000. Railway provident fund is a provident fund purchased for railway workers. The high loan amount for applying for provident fund loan is 600,000 yuan, and the loan amount does not exceed 70% of the total price of the purchased house (the purchase area is less than 90 square meters, which can be relaxed to 80%). Employees apply for provident fund loans for the second time, and the maximum loan amount is 500,000 yuan, which does not exceed 40% of the total housing price.