Problems related to second-hand housing loan calculator
What are the important contents in the second-hand housing loan calculator? The calculation method of the second-hand housing provident fund loan amount, the provident fund loan amount will generally be calculated according to the following conditions, and then take the small value. First, the second-hand housing provident fund loan amount cannot exceed 70% of the total house price. The second-hand housing loan calculator also has these contents. If it is an employee who pays the provident fund, the maximum loan amount is 300,000 yuan; Both husband and wife are employees who have paid the provident fund, and the maximum loan amount is 600,000 yuan. If the spouse is an officer, the spouse may determine the loan amount according to the higher loan amount. What else does the second-hand housing loan calculator have? If the loan amount of both husband and wife of the borrower is calculated according to the loanable formula, then the loanable formula is generally: the amount of the lender's monthly contribution to the provident fund ÷ the ratio of the lender's contribution to the provident fund × the repayment ability coefficient (currently 0.45)× 12× the actual loanable period, which can generally be calculated according to the formula and then rounded to ten thousand yuan. The second-hand housing loan calculator also has these contents. If the borrower's spouse pays the provident fund in the provincial organs, railway sub-bureaus, East China Petroleum Management Department and Prison Management Department, then the loan certificate issued by the sub-bureau or management department where the spouse's housing provident fund is paid must prevail before the loan amount can be determined. If the spouse is an officer, the loan amount can be regarded as the prescribed high personal loan amount after the military officer's card is issued. At the same time, under the condition of meeting other loanable limit conditions, the smaller value can also be used as the final loanable limit. This is the content of the second-hand housing loan calculator.
What should the second-hand housing loan calculator pay attention to?
What problems should the second-hand housing loan calculator pay attention to? Generally speaking, the second-hand housing provident fund loan amount can be calculated according to the housing 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. Second-hand housing loan calculator also needs to pay attention, if it is to buy commercial housing, price-limited commercial housing, targeted resettlement of affordable housing, targeted sales of affordable housing or private saving. Workers' family loans to buy the first set of housing, and the construction area of the purchased housing is below 90 square meters (including 90 square meters), they 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; The construction area of the purchased house shall not exceed 90 square meters, the down payment shall not be less than 30% of the purchased house price, and the loan amount shall not exceed 70% of the purchased house price. Second-hand housing loan calculator should also pay attention to these contents. 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 should 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. This is the content of the second-hand housing loan calculator, hoping to help everyone.