The loan amount of housing provident fund can only be determined by comprehensive calculation.
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 is as follows:
According to the repayment ability calculation formula, {(total monthly salary of the borrower, monthly contribution of the housing provident fund of the borrower's unit) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan }× loan period (month), {(total monthly salary of both husband and wife, monthly contribution of the housing provident fund of both husband and wife's work units )× repayment ability coefficient-total monthly repayment amount of both husband and wife's existing loan }× loan period (month). Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution);
According to the calculation formula of house price, loan amount = house price × loan ratio, in which the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans;
According to the account balance, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than 10 times of the housing provident fund account balance when the employee applies for a loan (if the spouse housing provident fund is used to apply for a housing provident fund loan at the same time, it is the sum of the employee's and spouse's housing provident fund account balances), and if the housing provident fund account balance is less than 20,000, it shall be calculated as 20,000;
According to the maximum amount, the maximum loan amount for applying for housing provident fund loans with my own housing provident fund is 400,000 yuan, the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 600,000 yuan, the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 500,000 yuan, and the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 700,000 yuan.
How to calculate the decoration loan calculator
Hello, the loan is the result of comprehensive calculation based on the loan amount, execution interest rate, loan term, repayment method and other factors. It is impossible to calculate the actual monthly payment only by the loan amount.
If you want to try to calculate the monthly payment information for reference, please open the following link: Try to calculate the monthly payment using the benchmark interest rate of the current loan. (You can view information such as monthly payment, monthly principal, monthly interest, principal balance, total interest and total repayment).
Decoration loan interest rate calculator
You can try to calculate it through our loan calculator. Log in to the lower right of China Merchants Bank official website and find the "Financial Calculator"-"Personal Loan Calculator" for calculation. (You can view information such as monthly payment, monthly principal, monthly interest, principal balance, total interest and total repayment).
CCB Decoration Loan Calculator
There are usually three types of loan calculators:
Loan calculator provided by commercial banks
This kind of calculator is characterized by relying on the bank website platform and high credibility; The disadvantage is that the calculation conditions are simple, mainly theoretical calculation, regardless of reality. For example, the calculation formula of daily interest rate is generally: daily interest rate = annual interest rate/360; The calculator provided by the bank is generally calculated according to 365, which is different from the actual situation.
Second, the loan calculator provided by the real estate website
This kind of loan calculator is generally based on the loan calculator on the bank website, with little or no change, and its shortcomings are similar to the previous article.
Third, Taobao customer loan calculator
This calculator is a fully customized parametric calculator, and the calculation results are completely consistent with the actual situation, providing more real and powerful data support for your loan decision!
The housing renovation loan of China Bank is 6,543,800 yuan+0.5 million yuan, which will be repaid in five years. How to calculate the interest and how much should I pay back every month? Please give me some advice. . .
Please pay attention to the official account of "Bank of China Micro-Banking" WeChat, select the function of "Microfinance-Function Hall-Financial Tools and Information Inquiry-Loan Calculator" in the menu below, and enter the calculation conditions according to the page prompts for inquiry.
The above contents are for your reference. Please refer to the actual business regulations.
Housing loan calculator formula
The housing loan calculator formula is as follows:
Matching principal and interest: [loan principal× monthly interest rate× (1interest rate )× repayment months ]≤[( 1 interest rate )× repayment months]
Average capital: monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate, where the symbol indicates power. Two months is quadratic.
Extended data:
First, how to repay the mortgage in advance is the most cost-effective:
1. Customers with pure provident fund loans are not recommended to repay in advance.
2. Portfolio loan: According to the actual situation of customers, the general bank will give customers three opportunities to repay in advance. It is best to pay off part of your commercial loans twice and keep the provident fund loans.
3. For pure commercial loan customers, it is most appropriate to calculate the 20-year equal principal and interest according to the interest rate.
Supplementary information:
1. Customers with pure provident fund loans are not recommended to repay in advance. Because the provident fund can only be used for housing and decoration loans, and decoration loans are short-term in nature. The loan interest rate of provident fund is only 3.25%, and no matter what financial management, the income greatly exceeds the loan interest rate, which is beneficial to me.
2. Portfolio loan: According to the actual situation of customers, the general bank will give customers three opportunities to repay in advance. It is best to pay off part of your commercial loans twice and keep the provident fund loans. The monthly repayment is directly deducted from the provident fund account, which saves the greatest worry. But I'd better communicate with the bank in advance about repayment, and I'd better go to the bank for consultation in person. State-owned big banks basically have liquidated damages for prepayment. The first prepayment should be after the first time _ hoop 1 year, usually with interest of 3 months or 6 months, so it is necessary to make preparations in advance.
3. For pure commercial loan customers, it is most appropriate to calculate the 20-year equal principal and interest according to the interest rate. If the customer chooses average capital or 30-year equal principal and interest, plan ahead and reduce the total loan amount to about 400,000 principal, so that the monthly repayment of about 2,200 will not affect family life and ensure the quality of family life. It is best to prepay only twice, otherwise you can't prepay and transfer when you sell the house.