The calculation formula of single loanable amount is: the sum of the normal deposit balance of housing provident fund in the last month when the borrower (including the same borrower) applies for a loan ×30 (times).
(A loan applicant who meets the requirements of loan repayment income ratio, credit reporting, etc. and whose deposit balance is less than 654.38+0,000 yuan may, in principle, borrow up to 300,000 yuan, which is not limited by the balance-linked multiple).
The following conditions must be met simultaneously:
(1) The maximum loan ratio shall not exceed 80%.
(2) Not higher than the loan amount determined according to the repayment ability of the loan applicant and the borrower.
3) The normal deposit balance of the borrower's housing provident fund is subject to the confirmation of Chengdu Provident Fund Center, and the illegally remitted housing provident fund is not included in the normal deposit balance.
For loan applications that meet the above conditions, Chengdu Provident Fund Center will comprehensively evaluate the credit status and income of the loan applicant and determine the final loan amount.