Now more and more young couples choose down payment when buying a house. So, do you know the amount of the couple's loan? Friends who don't know the same loan amount for husband and wife, come and have a look!

Now more and more young couples choose down payment when buying a house. So, do you know the amount of the couple's loan? Friends who don't know the same loan amount for husband and wife, come and have a look!

1. What is the amount of the couple's loan?

1. Commercial loan. If both husband and wife have stable jobs, the loan amount will be higher than that of the individual, but it cannot exceed the total house price minus the down payment.

For example, if you buy a property with a total price of 6.5438+0.5 million yuan, the husband's income will be 20,000 yuan, and the wife's income will be 6.5438+0.2 million yuan. If the husband applies for a mortgage alone, the down payment may reach 40%. If two people take out a loan, the down payment may be reduced to 30%.

In other words, one person can borrow 60% of the total house price, but two people can borrow 70%. Because the repayment ability of two people is much higher than that of one person, the bank may give a preferential interest rate of 20% or even 70%. But from an unfavorable point of view, if one party has a bad credit record, it may also lead to loan failure.

2. Then, when handling provident fund loans, what is the amount of husband and wife loans? Provident fund loans in various places set corresponding quotas for husband and wife loans. For example, a couple's loan in a city (Beijing) can be 654.38+0.2 million. The amount varies from place to place, and in some places, the amount of husband and wife loans is higher than that of individuals.

3. What problems should husband and wife pay attention to when borrowing money together?

1. Both parties to the contract attended in person.

In the process of buying a house, many signing processes are involved, such as signing a sales contract, applying for a mortgage, and transferring transactions. Both husband and wife need to be present at the same time. In addition to signing the real estate sales contract, both parties need to be present in person when applying for mortgage and handling the transfer formalities.

Relevant professionals explained that when applying for a mortgage, they sometimes apply in the name of husband and wife, so banks need to review the qualifications of both parties and sign at the same time when handling relevant procedures.

2. preparing for the exam is the key.

When a husband and wife buy a house together, they need to provide many documents, and none of them can be less. When a husband and wife jointly apply for a mortgage, they need to provide proof of income and social security. Of course, when applying for a mortgage loan, if one of the parties has a high income, it is not a problem to pass the qualification examination and approval, and the income certificate of the other party is not needed.

3, the main loan, sub-loan is particular.

Under normal circumstances, in a bank housing loan contract, only one party is regarded as a "lender" (usually referred to as the main lender), and the other party can be regarded as a "* * * lender" regardless of whether the names of both parties are written on the property ownership certificate. When determining the main lender, we should choose the spouse with high and stable income, and pay attention to the age limit, otherwise it will affect the loan term.

The share is fixed in advance.

Husband and wife buy a house together, what is the share of property? It needs to be determined in advance to avoid future generations. According to the provisions of the Marriage Law: "The property acquired by husband and wife during the marriage relationship shall be jointly owned by husband and wife, unless otherwise agreed by both parties." Therefore, in the process of buying a house, even if it does not appear on the real estate license, it will not affect its ownership of the house.

5. Pay attention to personal credit.

Whether one or both husband and wife apply for a mortgage, the bank needs to evaluate the credit information of two people. As long as one party has bad credit information, it will affect the mortgage application. This must be paid special attention to.

Calculation of the loan amount of husband and wife provident fund

Calculated by repayment ability: loan amount = [(total monthly salary of husband and wife, monthly contribution of housing accumulation fund of the unit where husband and wife work) × repayment ability coefficient 40%- monthly repayment amount of existing loans of husband and wife ]× 12 (month )× loan term. Total monthly salary = monthly contribution of provident fund/(proportion of unit contribution and proportion of individual contribution).

2. Calculated by house price: loan amount = house price × loan ratio. The area of the house purchased exceeds square meters, and the maximum loan amount is 70% of the purchase price; The area is less than 90 square meters, and the maximum loan amount is 80% of the purchase price.

3. Calculated according to the maximum loan amount: If Hu Tong applies for a loan with his or her spouse's housing provident fund, the maximum loan amount is 700,000 yuan.

4. Calculated according to the balance of the provident fund account: the loan amount of the provident fund = the balance of the borrower and the borrower's provident fund account ×20.

Second, the provident fund loan process

1. The purchaser shall apply for a loan application form at the core of housing provident fund management with the Commodity House Sales Contract or the Loan Contact Sheet, and the applicant shall fill in the Housing Provident Fund Loan Application Form as required according to the prompt.

2. Ask someone to take your ID card or the auxiliary borrower's ID card and prepare the household registration book (if there is no household registration book, a marriage certificate is required). Sometimes you need to go to the Civil Affairs Bureau to issue a marriage certificate or a single certificate. Take the commercial housing sales contract and the completed housing provident fund loan application form to the housing provident fund management core to review the loan amount and calculate the fees to be paid.

3. Materials to be submitted by the applicant: application form for housing provident fund loan, 4 originals and photocopies of commercial housing sales contract, 6 copies of house sales approval, 6 copies of maintenance fund receipt, 3 copies of house payment receipt (receipt amount = total house payment-loan amount), 4 copies of ID card of the purchaser, 0 copies of spouse ID card/kloc-,0 copies of husband and wife household registration book/kloc-,and 2 copies of marriage certificate or single certificate.

4, the applicant in the specified date to the housing provident fund management center agent bank window, and receive a bank receipt.

How much provident fund can a couple borrow in Shanghai?

Shanghai provident fund loan amount: the maximum loan amount for the first suite is 6,543.8+0,000 yuan (500,000 yuan per person), and the maximum loan amount for families who supplement the provident fund is 6,543.8+0.2 million yuan (600,000 yuan per person).

The maximum loan amount for the second set of improved housing is 800,000 yuan (400,000 yuan per person), and the maximum loan amount for families who supplement the provident fund is 6,543,800 yuan+0,000 yuan (500,000 yuan per person).

The loan amount must meet the following conditions: 1,

Not higher than the loan limit determined according to the multiple of the borrower's housing provident fund account balance and the borrower's housing provident fund account balance (30 times of the housing provident fund balance and 10 times of the supplementary housing provident fund balance);

2, not higher than the loan limit determined by the proportion of the total housing price;

3. Not higher than the loan limit determined according to the repayment ability. The calculation formula is: the salary base for the borrower to calculate the monthly payment of housing provident fund × the specified proportion (40%) ×1February× the loan period (year);

4. Not higher than the maximum loan amount.

For details, please consult the loan branch of China Bank.

The above contents are for your reference. Please refer to the actual business regulations.

What is the maximum loan for husband and wife provident fund?

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.

Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees. The definition of housing provident fund includes the following five aspects:

1. The housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas.

2. Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.

3. The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit.

4. The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.

5. Housing provident fund is a personal housing savings fund specially used by employees for housing consumption expenditure, which has two characteristics: first, it is cumulative, that is, housing provident fund is not part of employees' wages, and it is not distributed in cash. It must be deposited in a special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented. The second is special. The housing provident fund is earmarked for special purposes and can only be used for the purchase, construction, overhaul of self-occupied housing or the payment of rent during storage. Only when employees leave, retire, die, completely lose their ability to work, terminate their labor relations with their units or move out of their original cities can they withdraw housing provident fund from their accounts.