Housing accumulation fund is one of the well-known "five insurances and one fund" and is a very important welfare for the broad masses of workers. The provident fund can not only be used for personal consumption, but also be used as a voucher for provident fund loans, and the loan interest is lower than that of ordinary commercial banks. So, what is the reference table of provident fund loan coefficient? Friends who are interested in this question can continue reading.

Provident fund loan coefficient

The loan coefficient of provident fund is the repayment ability coefficient, which is an important evaluation index of the lender's repayment ability. Usually, the loan coefficient of provident fund is between 0.35 and 0.45, which is mainly divided into three grades: 0.35, 0.4 and 0.45. The specific division of each region is different, and it is necessary to consult the local housing provident fund management center. The loan coefficient is not only related to family income, but also related to the repayment period. The longer the repayment period of general loans, the greater the loan coefficient. The specific calculation formula of the loan amount of the provident fund is: loan amount = [(total monthly salary of the borrower or husband and wife+monthly contribution of the housing provident fund of the unit where the borrower or husband and wife work) × repayment ability coefficient 40% ㄧ monthly repayment amount of the existing loan of the borrower or husband and wife] × 12 (month )× loan period. According to the relevant national regulations, the maximum loan amount for the first suite of provident fund loans does not exceed 6.5438+0.2 million yuan, and the maximum loan amount for the second suite does not exceed 800,000 yuan.

Well, the above is the answer to the reference table of provident fund loan coefficient, and I hope it will be helpful to the friends who encounter such problems.