1. Calculator on how to buy 2 houses with housing provident fund in 2016

1. The maximum amount of housing provident fund loan is 1 million yuan, of which the loan limit for a single employee who pays the deposit shall not exceed 50 Ten thousand yuan.

2. The personal loan limit of employees is calculated and determined according to a certain multiple of the average monthly balance of the housing provident fund account. The calculation formula is: the personal loan limit of employees = the average monthly balance of the employee housing provident fund account × multiple. Among them: employee housing The average monthly balance of the provident fund account is the average monthly balance of the housing provident fund account in the past 12 months when the employee applies for a loan (excluding the one-time supplementary payment in the past 12 months). If it is less than 12 months, it is calculated based on the actual number of months; the multiple is currently based on 15 Times are determined. In the future, the Hangzhou Housing Provident Fund Management Center will make adjustments based on factors such as the city’s housing price levels, housing provident fund deposit levels, and capital scale, and will be implemented after being reported to the Hangzhou Housing Provident Fund Management Committee for filing; the individual employee loan limit is calculated to be less than 150,000 yuan Yes, determined based on 150,000 yuan.

3. The specific loan limit is determined comprehensively based on factors such as the condition and price of the housing purchased by the employee, personal repayment ability, and credit status.

4. If the employee housing provident fund loan amount is insufficient, they can apply for a combination loan. The term, guarantee method and repayment method of commercial loans in portfolio loans should be consistent with those of housing provident fund loans.

2. How to calculate the full payment of provident fund?

The proportion of full provident fund payment is 12%.

1. Full payment of the provident fund means that the company or individual shall bear all the payment of the provident fund. At present, in fact, companies and individuals generally pay on a 1:1 basis.

2. The payment base of housing provident fund has an upper and lower limit. The lower limit is the lowest payment base. If the actual monthly average salary of employees in the previous year is lower than the minimum wage standard for the region stipulated by the local government, the lower limit is the minimum wage standard for the region. The minimum wage standard serves as the employee's housing provident fund payment base for the current year. The monthly housing provident fund payment amount of employees = the payment base payment ratio, and the payment and deposit ratios are also different. The national regulations are no more than 12% and no less than 5%.

3. Generally calculated according to the monthly housing provident fund payment formula. The amount of monthly provident fund contributions by individuals and units = the monthly average salary of the previous year x the proportion of housing provident fund contributions.

3. How to calculate the housing provident fund to buy 2 houses in 2016

Hello, if you follow the second house, the down payment is 60%, the loan interest rate and provident fund loan policy calculation method: buy the second house The minimum down payment ratio for a house loan is 20%. The down payment ratio for the purchase of a housing provident fund entrusted loan by a paying employee family is 20%; for a house that has been paid off, in order to improve living conditions, apply for a housing provident fund entrusted loan again to purchase an ordinary self-owned house. For housing, the minimum down payment ratio is 30%. Buy 0%. For households that own one house and the corresponding home purchase loan has not been paid off, if they purchase an ordinary home with a commercial personal housing loan, the minimum is not less than 40%. Before adjustment: the down payment ratio for the second home is 60% in Beijing, Shanghai, Guangzhou and Shenzhen 70 %①Previously, the down payment ratio for the second home in Guangzhou and Shenzhen was 70%. ②Previous housing provident fund loan policy: for the first house less than one meter, the minimum down payment ratio is 20%; for the first house above 90 square meters, the minimum down payment ratio is 30%.

Hope to adopt it

4. Provident fund loan limit calculator latest 2016

Provident fund loan calculation should be based on loan repayment ability, housing price ratio, housing provident fund account balance and the loan maximum limit are determined by four conditions. The minimum value calculated from the four conditions is the maximum loan amount that the lender can lend.

The calculation formula is:

[(the total monthly salary of the borrower, the monthly housing provident fund deposit amount of the borrower’s unit) × the loan repayment ability coefficient - the borrower’s existing loan monthly repayment Total amount]×Loan term (months).

If the spouse's quota is used:

[(the total monthly salary of both spouses, the monthly housing provident fund payment amount of the employer where both spouses work) × the loan repayment ability coefficient - the monthly payment of the existing loan of both spouses Total repayment] × loan term (months).

The loan repayment ability coefficient is 40%

Total monthly salary = monthly provident fund payment ÷ (unit contribution ratio individual contribution ratio).