Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. The housing provident fund paid by employees and the housing provident fund paid for employees by the unit where employees work are personal savings stored by employees in accordance with the regulations for housing consumption expenditures, which belong to individual employees. When an employee retires, the balance of principal and interest is paid in one lump sum and returned to the employee himself.

quota

Housing provident fund loan

Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 400,000 yuan; The maximum amount of individual housing provident fund loans in Guangzhou is 500,000 yuan, and that in Beijing is 800,000 yuan. If it is rated as 3A, it can reach 800,000 * (1+30%) = 1.04 million, and as 2A, it can be loaned to 920,000.

Secondly, the maximum loan amount of housing provident fund does not exceed 70% of the total purchase price;

Housing provident fund loan amount formula:

Sum of individual monthly contributions of the borrower and spouse to the provident fund ÷ actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient )× loan term (longest loanable term).

If the deposit ratio between husband and wife is inconsistent, the actual deposit ratio shall be determined according to the higher ratio.

Not higher than the loan limit determined according to the repayment ability of the loan applicant and spouse.

When applying for provident fund loan, the monthly repayment amount/monthly income should not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities).

Quota calculation

Provident fund loan amount should be calculated according to the repayment ability,

Provident fund loan

The proportion of house price, the balance of housing provident fund account and the maximum loan amount are determined, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower. The calculation method is as follows:

Loan amount calculated according to repayment ability

The calculation formula is:

[(the total monthly salary of the borrower+the monthly contribution of the housing provident fund of the borrower) × repayment ability coefficient-the total monthly repayment amount of the borrower's existing loan ]× loan period (month).

Use spouse quota:

[(total monthly salary of husband and wife+monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan term (month).

Among them, the repayment ability coefficient is 40%.

Total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio+individual contribution ratio).

Loan amount calculated according to house price

The calculation formula is: 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:

A purchase of commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sales of affordable housing or private housing.

Workers' families (including employees, spouses and minor children, the same below) who purchase the first set of housing (including commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sale of affordable housing or private property housing) with a construction area of less than 90 square meters (including 90 square meters) shall pay a down payment of not less than 20% of the purchased housing price, and the loan amount shall not be higher than 80% of the purchased housing price; If the construction area of the purchased house exceeds 90 square meters, a down payment of not less than 30% of the purchased house price shall be paid, and the loan amount shall not be higher than 70% of the purchased house price.

If an employee buys a second house with a family loan, the down payment shall not be less than 50% of the house price, and the loan amount shall not be higher than 50% of the house price.

Workers' family loans to buy third and above houses will suspend the issuance of personal housing provident fund loans.

When purchasing private housing, if the housing price is inconsistent with the assessed price, the lower of the two shall be the approved limit.

The purchase of targeted resettlement affordable housing, the loan amount should not be higher than the difference between the total price of the purchased housing and the amount of housing compensation.

B for the purchase of existing public housing, the loan amount shall not exceed 70% of the purchased housing price; For the construction, renovation and overhaul of self-owned housing, the loan amount shall not exceed 70% of the cost of housing construction and repair.

The loan amount is calculated according to the balance of the housing provident fund account.

When employees apply for housing provident fund loans, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when employees apply for loans (if the spouse housing provident fund is used to apply for housing provident fund loans at the same time, it is the sum of the balance of the employee's and spouse's housing provident fund accounts). If the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000.

The loan amount is calculated according to the maximum loan amount.

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 housing provident fund loans, and if I pay the housing provident fund normally when applying for loans, 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.

When applying for a loan, employees or their spouses pay housing subsidies normally on a monthly basis, with reference to the provisions on normal payment of supplementary housing provident fund.

The calculated loan amount is reserved to thousand, and the number below thousand is not zero plus one.