1, calculate the loan amount according to the repayment ability.
The calculation formula is:
[(the total monthly salary of the borrower+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 spouse quota:
[(total monthly salary of husband and wife+monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan term (month).
Among them, the repayment ability coefficient is 40%.
Total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio+individual contribution ratio).
2. The loan amount calculated according to the house price
The calculation formula of microfinance is: loan amount = house price × loan ratio.
Among them, the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans.
3. The loan amount is calculated according to the balance of the housing provident fund account.
When employees with micro-loans apply for housing provident fund loans, the loan amount shall not be higher than 10 times of the balance of housing provident fund account when employees apply for loans (at the same time, applying for housing provident fund loans with spouse housing provident fund is the sum of the balance of employees' and spouses' housing provident fund accounts), and if the balance of housing provident fund accounts is less than 20,000, it shall be calculated as 20,000.
4. The loan amount is calculated according to the maximum loan amount.
Remittance of small loans uses my housing provident fund to apply for housing provident fund loans, with a maximum loan amount of 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. I use my housing provident fund to apply for a housing provident fund loan, and if I normally repay the housing provident fund when applying for a loan, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.
5. The lowest loan amount in the above four cases shall prevail.