Housing provident fund loan amount = balance of housing provident fund accounts of both husband and wife of the borrower on the loan application date? 1.2+ The housing accumulation fund expected to be paid by both husband and wife from the date of loan application to the date of retirement? Liquidity adjustment coefficient? . (currently? = 1)
Workers' families applying for housing provident fund loans (excluding commercial loans) must meet the following conditions in addition to calculating the loan amount according to the calculation formula:
Housing provident fund loan amount? Maximum loan amount of provident fund;
Housing provident fund loan amount? 70% of the value of the mortgaged property;
Monthly debts of employees' families? 60% of the monthly income of the employee's family.
The maximum and minimum amount of housing provident fund loans:
(1) When the liquidity is loose and normal, the maximum amount of employee family housing provident fund loans will be 800,000 yuan for dual employees and 500,000 yuan for single employees;
(two) when the liquidity is tight, the maximum amount of employee family housing provident fund loans is 600 thousand yuan for dual employees and 400 thousand yuan for single employees;
(3) In order to support the housing needs of low-and middle-income families, regardless of the liquidity of funds, the minimum amount of housing provident fund loans is determined to be 200,000 yuan.
(4) Workers' families who apply for housing provident fund loans for the first time and have no houses under their names are not restricted by the liquidity of housing provident fund funds. The maximum loan amount of housing provident fund is 800,000 yuan for double employees and 500,000 yuan for single employees.