2. Calculated according to deposit balance: loan amount = (borrower's deposit balance × deposit time coefficient+spouse's deposit balance × deposit time coefficient) × 10 times.
If I apply for provident fund loan, the maximum loan amount is 400,000 yuan; If my spouse and I apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. If I pay the supplementary housing provident fund normally, the maximum loan amount is 500,000 yuan; At the same time, if I or my spouse pay the supplementary housing provident fund normally, the maximum loan amount is 700,000.
3 ; Buy the first set of self-occupied housing, the maximum loan amount is 900,000 yuan, buy the second set of self-occupied housing, the maximum loan amount is 500,000 yuan, and the initial loan amount of provident fund loan is 50,000 yuan. If the spouse fails to pay the fee for 6 consecutive months but pays the fee normally, the deposit base will be included in the supply-income ratio of family income. Employees with foreign deposits cannot participate in the calculation of the loanable amount in the name of their spouses. If they deposit normally, their deposit base can be included in the calculation of the supply-income ratio of household income.
4; Loanable amount of employee personal provident fund loan = balance of personal provident fund account × (deposit time coefficient+income adjustment coefficient )× liquidity adjustment coefficient.
(1) Individual provident fund account balance: apply for the current provident fund account balance;
(2) Deposit time coefficient: the tabulation coefficient corresponding to the normal deposit month is calculated forward at the time of application. If there is interruption, unpaid months are not counted;
(3) Income adjustment coefficient: the tabular coefficient corresponding to the current monthly deposit (individual deposit+unit deposit);
(4) Liquidity adjustment coefficient: according to the tabular coefficient corresponding to the personal loan interest rate. According to the Notice on Adjusting the Working Mechanism of Liquidity Adjustment Coefficient (No.43 [2020] of Dong Fang Fu Fa), when the proportion of individual loans rises to the new district and the net flow of funds in the last three months is negative continuously, or when the proportion of individual loans falls to the new district and the net flow of funds in the last three months is positive continuously, the Municipal Housing Provident Fund Management Center will issue a notice to implement the liquidity adjustment coefficient in the new district from the next month after the notice is issued. The liquidity adjustment coefficient applicable to the borrower's loan amount shall be subject to the corresponding liquidity adjustment coefficient when submitting the loan application for registration to the business system of the provident fund center.