Take Shanghai as an example,

For buyers who purchase the first house or the improved second ordinary commercial house, if the provident fund loan reaches 500,000 yuan, their account balance should be greater than12,500 yuan, and the monthly supply is greater than that of 780 yuan.

When the monthly contribution of provident fund is greater than that of 780 yuan and the balance is less than12,500 yuan, it shall be calculated as 40 times of the balance;

When the balance is more than 12500 yuan and the monthly payment is less than 780 yuan, the loanable amount is /0. 14×6× loanable years;

If the monthly payment and balance meet the conditions, the lower amount shall be selected after calculating the results in the above two ways respectively;

The supplementary provident fund loan of 6,543,800 yuan must meet the following conditions: the balance is more than 5,000 yuan and has been deposited regularly for more than 6 months.

2. How much is the Shanghai Provident Fund loan of 6,543,800+10,000 yuan a month?

Under the latest policy, the Shanghai provident fund loan is 654.38+0 million in 20 years. How much does it cost per month?

The total loan is 65,438+0,000,000.00 yuan.

Number of repayment months: 240 months

The monthly repayment is 5928.88 yuan.

Total interest paid is 42293 1.96 yuan.

Total principal and interest 1, 422,931.96 yuan.

2. What is the monthly repayment amount of provident fund loan1100,000 (calculated in 30 years)?

The monthly repayment is about 4,352 yuan (equal principal and interest, total repayment amount 1.57 million).

2. Repay 5486 yuan in the first month, and then reduce the 7.5 yuan every month (average capital, total repayment of 654.38+0.49 million).

3. 1 10,000 10 How much is the monthly provident fund loan?

Rough estimation: equal repayment of principal and interest: monthly repayment of 97,765,438+0.9 yuan; Matching principal repayment: repayment in the first month 1 104 1.67 yuan. According to Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

3. How much can Shanghai borrow to buy a house with a provident fund loan?

Shanghai provident fund loan, the down payment ratio is: the maximum loan amount 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). For the second set of improved housing, the maximum loan amount is 800,000 yuan (400,000 yuan per person), and the maximum loan amount for families who supplement the provident fund is 6,543.8+0,000 yuan (500,000 yuan per person). For details, please consult the local branch of Bank of China or the provident fund management center. The above contents are for your reference. Please refer to the actual business regulations. If you have any questions, please contact online customer service of Bank of China. You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.

4. How much can Shanghai borrow to buy a house with a provident fund loan?

First, the provident fund loan amount

1, which is not higher than the loan limit determined according to the multiple of the sum of the borrower's housing provident fund account balance and the sum of the supplementary housing provident fund account balance.

2. It shall not be higher than the total house price remaining after deducting the down payment according to the specified proportion.

3. Not higher than the borrower and the borrower's repayment ability.

4. It shall not exceed the maximum loan limit for families or individuals in this Municipality, and the longest deposit time is related to the credit status.

Second, the housing provident fund loan amount formula

1, sum of individual monthly contributions of the loan applicant and spouse's provident fund ÷ actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient)

2. If the deposit ratio of husband and wife is inconsistent, the actual deposit ratio shall be determined according to the higher one, which shall not be higher than the loan limit determined according to the repayment ability of the borrower and spouse, and the monthly repayment amount/monthly income shall not exceed 50% when applying for provident fund loans.

Note: Monthly repayment includes the sum of monthly repayment of existing liabilities and current liabilities.

Extended data

Provident fund loan conditions

1. Only employees who have participated in the housing provident fund system can not apply for housing provident fund loans.

2, to participate in the housing provident fund system to apply for housing provident fund personal purchase money must also meet the housing provident fund deposit time of not less than six months.

3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife are not allowed to obtain a housing provident fund loan again before the principal and interest of the loan are fully paid off.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other debts with outstanding loan ability.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan term of provident fund loans must be the same.