4000。 The monthly house payment is 5,000 yuan, and the provident fund is 0 yuan. The two parts of the consolidated loan cannot be repaid together. The provident fund loan part adopts free repayment method, and the commercial loan part adopts commercial banks.
Second, there are now more than 5,000 provident funds. How much can I borrow?
The loan amount of provident fund should be determined according to four conditions: repayment ability, proportion to house price, balance of housing provident fund account and maximum loan amount, among which the minimum value calculated by the four conditions is the maximum loanable amount of the lender.
Provident fund loan amount and its calculation method;
[(the total monthly salary of the borrower and the monthly contribution of the housing provident fund of the borrower) × repayment ability coefficient-the total monthly repayment amount of the borrower's existing loan ]× loan term (month);
Use of spouse's quota: [(total monthly salary of husband and wife, monthly contribution of housing accumulation fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan period (month);
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);
The calculation formula of the loan amount calculated according to the house price is: loan amount = house price × loan ratio.
How much can I borrow from the 3.5000 provident fund?
The maximum loan of 5000 provident fund is 75000 yuan. Because the maximum amount of provident fund is determined by three aspects: first, the individual deposit base; The second is the maximum amount; The third is the loan ratio. According to the current provident fund deposit policy, the maximum loan amount of the first-home provident fund deposit is 15 times of the individual deposit base. If your account is about 5000 yuan, then your maximum loan amount is about 75000 yuan. Maximum loan amount: in the provident fund loan policy, for the first loan, from the perspective of buying a house: if both the buyer and the husband meet the provident fund loan policy, the maximum loan amount for buying a new house is 600,000, and the maximum loan amount for buying a second-hand house is 350,000; If the buyer is single or only one of the husband and wife meets the provident fund loan policy, the maximum loan amount for purchasing a new house is 360,000; The maximum loan amount for purchasing a second-hand house is 2 1 0,000. 3. When buying a house for the first time, the new house can borrow 80% of the housing accumulation fund, and the second-hand house can borrow 70%, 5 years, 65 years, 438+00% and 30 years due to the limitation of the number of years. However, the calculation of provident fund loans should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, among which the minimum value calculated by the four conditions is the maximum loan amount of the lender. The longest term of provident fund loans shall not exceed 30 years. The loan terms of portfolio loans, provident fund loans and commercial housing loans must be consistent.
4. How much can I borrow from the provident fund of 5,000 yuan per month?
Suppose the balance of the provident fund account is 5000 yuan, and the user applies for a provident fund loan in Changsha, then according to the regulations, the maximum loan can be 5000 13=65000 yuan; For another example, Hangzhou is currently calculated according to the average monthly balance 15 times, so if the average monthly balance of the user's account is 5,000 yuan, the loanable amount is 5,000 yuan15 = 75,000 yuan, so different local policies will lead to differences in the loanable amount of housing provident fund loans.