Specific to individuals, there is no standard calculation formula for the amount of provident fund loans managed by the state, which is determined by the housing fund management center of the central state organ after comprehensive consideration of the factors such as the deposit time of the loan applicant, the balance of the personal account, the repayment ability and the spouse's deposit.
First, how is the specific loan amount of the state-managed provident fund calculated?
There is no clear formula for calculating the specific loan amount of the state-managed provident fund. According to the Notice on Further Adjusting Personal Loan of Housing Provident Fund (Ji Guo F.Z. [2015] No.3), the specific loan amount is determined by the Housing Fund Management Center of the central state organs (hereinafter referred to as? Capital center? ) Within the maximum loan amount determined by the Beijing Housing Provident Fund Management Committee, it is determined after comprehensive consideration of the borrower's deposit time, personal account balance, repayment ability and spouse's deposit.
The loan applicant can initially estimate the loan amount through the loan calculator in the portal website of the fund center.
Second, the maximum loan amount of the state-managed provident fund?
1. The loan applicant purchases policy housing or the first set of self-occupied housing. The minimum down payment ratio is 20%, and the maximum loan amount is1.2000 yuan.
Compared with 20 14, the maximum loan amount increased by 400,000 yuan, and the restriction of purchasing the first self-occupied house of 90 square meters was cancelled.
2. If the borrower purchases a second house, the down payment ratio of the loan shall not be less than 20%, and the maximum loan amount shall be 800,000 yuan.
Compared with 20 14, the down payment ratio of the second home loan decreased from 70% to 20%.
3. Show the loan applicants who have no housing in the information inquiry system of housing transaction ownership of Beijing Housing and Urban-Rural Development Committee, and implement the first set of self-occupied housing loan policy.
4. If you own 1 house in the Housing Transaction Ownership Information System of Beijing Municipal Commission of Housing and Urban-Rural Development and the corresponding housing provident fund personal loan (including housing provident fund policy discount loan) has been settled, apply for the purchase of a second ordinary self-occupied house and implement the second housing loan policy.
Compared with 20 14, the down payment ratio of the loan in this case was reduced from 60% to 20%.
Third, these regulations also affect the estimation of loan amount!
1. If you purchase the first self-occupied housing and apply for a loan, you will no longer consider whether you have withdrawn the housing provident fund in 1 year. When calculating the loan amount, if the balance of the individual housing provident fund account is less than 70,000 yuan, it shall be calculated according to 70,000 yuan.
This is 50,000 yuan more than 20,000 yuan in 2065,438+04. This is undoubtedly a good thing for families who have just joined the work and have a low monthly contribution to the provident fund. Because in the past, according to the loan amount obtained by most applicants of state-managed provident fund loans, the loan amount they can get in the state-managed provident fund center is directly related to their account balance. When a person applies, the approved loan amount is usually 7- 10 times of his account balance. Therefore, before 20 15, newly paid employees with an account balance of only 20,000 yuan can only apply for a loan of140,000-200,000 yuan to buy a self-occupied house of more than 90 square meters. Now, such employees can apply for a loan of 6.5438+0.2 million yuan from the state-managed provident fund.
2. Buy two houses, and if the balance of individual housing provident fund account is less than 20,000 yuan, it will be calculated as 20,000 yuan.
3. If other loans (excluding student loans) are overdue for 3 to 5 consecutive periods within 2 years before the loan applicant and his spouse apply for loans, the maximum loan amount will be reduced by 20% on the basis of the maximum loan amount announced by the Beijing Housing Provident Fund Management Committee. That is, the maximum amount of the first housing loan is 960,000 yuan, and the maximum amount of the second housing loan is 640,000 yuan.
4. If the loan applicant and his/her spouse have overdue loans, or the credit card or quasi-credit card is overdue, the loan application will not be accepted. Loan applicants and their spouses shall not issue loans if other loans (excluding student loans) are overdue for 6 consecutive periods or more within 2 years before applying for loans.
With this in mind, have you made a preliminary estimate of your national provident fund loan amount? Hurry to see if there is a gap in your housing funds and think of a solution in advance.
Source: Housing Fund Management Center of Central State Organs.
The above are the policies related to the loan amount of the state-managed provident fund!
1. Notice on Adjusting the Measures for Personal Loan of Housing Provident Fund of Central State Organs
Issuing Authority: Housing Fund Management Center of Central State Organs
Release date: 2065438+0511.02+1.02.
2. Notice on Issues Concerning the Adjustment of Personal Loan Policy of Housing Provident Fund (Ji Guo F.Z. (2015) No.5)
Issuing Authority: Housing Fund Management Center of Central State Organs
Release date: 2065438+June 2005 1
3. Notice on Further Adjusting Personal Loan of Housing Provident Fund (Ji Guo F.Z. [2015] No.3)?
Issuing Authority: Housing Fund Management Center of Central State Organs
Release date: 20 15 March 13.
4. Notice on Adjusting the Minimum Down Payment Ratio of Personal Housing Provident Fund Loans
Issuing Authority: Housing Fund Management Center of Central State Organs
Release date: 201September 5 14.
This content is only applicable to Beijing.