How much can I borrow from 300 yuan Provident Fund every month?

The calculation of the loan amount of provident fund should be determined according to three conditions: repayment ability, the proportion of housing price, the balance of housing provident fund account and the maximum loan amount, and the minimum value calculated by the three conditions is the maximum loanable amount of the borrower. Calculation method of loan amount of provident fund loan:

1. Calculated according to the value of the purchased property.

Purchase the first family-occupied housing with a construction area of less than 90 square meters, and the loan amount shall not be higher than 80% of the total price of the purchased housing; If the construction area is more than 90 square meters, the loan amount shall not be higher than 70% of the total price of the purchased house; If you buy a second family-occupied house, the amount of provident fund loan shall not be higher than 40% of the total house price.

Two, according to the personal account balance and deposit time calculation.

Loan amount = (lender's provident fund account balance+spouse's provident fund account balance) × 10/0× (deposit time coefficient).

The deposit time coefficient is 1-2 years1.0; 2-3 years is1.2; 3-4 years is 1.5, and more than 4 years is 2).

Third, according to the borrower's repayment ability.

If the borrower is single or his spouse has not paid the provident fund, the monthly repayment ability = the monthly payment base of the borrower's provident fund-the monthly living expenses 660 yuan. If both the borrower and his spouse have paid the provident fund, the monthly repayment ability = (monthly deposit base of the borrower's provident fund-monthly living expenses in 660 yuan)+(monthly deposit base of the borrower's spouse's provident fund-monthly living expenses in 660 yuan).

Loan amount = (monthly repayment ability ÷ monthly repayment amount of equal principal and interest per 10,000 yuan corresponding to the loan application period) × 1 10,000 yuan.