The maximum loan amount of housing provident fund in Hunan Province is 600,000 yuan. Loan amount = (monthly deposit amount of housing provident fund × 12× personal account balance of future housing provident fund )× 2. If the loan amount is less than 200,000 yuan, the maximum loan amount of housing provident fund shall be approved by 200,000 yuan. At the same time, the loan amount and down payment ratio must meet the following requirements: 1. If an employee's family (including himself, spouse and minor children) purchases the first house, the loan amount shall not exceed 80% of the house price. 2. The first suite deposited in the employee's family has been transferred and cancelled, and there is no other property. Apply for housing provident fund loans to buy ordinary self-occupied housing, implement the first set of housing loan policy, and the loan amount shall not exceed 80% of the house price. 3. If the employee's family owns 1 set (including 1 housing cancellation record) or has no housing but has two housing cancellation records (each set 120 square meter or less), and has not used personal housing loans or the corresponding housing loans have been settled, they shall apply for housing provident fund loans again to improve their living conditions. If the corresponding housing loan is not settled, the minimum down payment ratio is 40%, and the loan interest rate will rise by 10% according to the benchmark interest rate. 4. Purchase finely decorated houses, apply for individual housing provident fund loans, and implement the ordinary self-occupied housing policy.
2. What is the maximum loan amount of Changsha provident fund?
Legal analysis: the maximum loan amount does not exceed 600,000 deposits × 12× future annual balance of individual account of housing provident fund )× 2; If the loan amount is less than 300,000 yuan, the maximum loan amount of the housing provident fund will be approved at 300,000 yuan on the premise that the individual's repayment ability is sufficient. Employees who purchase their own houses for the first time and apply for loans may, upon their own application, increase by 20% on the basis of the estimated maximum loan amount (those who have cancelled the property will not enjoy it).
Legal basis: Article 6 of the Regulations on the Management of Housing Provident Fund, the deposit and loan interest rate of housing provident fund is proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council.
4. What is the maximum loan for housing provident fund in Hunan Province?
The loan amount of provident fund needs to be determined according to many conditions, such as repayment ability, the proportion of housing price, the balance of housing provident fund account, the maximum loan amount, etc. The minimum value calculated by the four conditions is the maximum loanable amount of the borrower. The calculation method is as follows:
Calculated by house price: loan amount = house price × loan ratio.
Among them, the loan ratio needs to be determined according to the different types of houses purchased, built and repaired and the number of mortgage sets. If the first house is purchased and the construction area of the purchased house is less than 90 square meters (including 90 square meters), a down payment of not less than 20% of the house price, that is, the loan amount is not higher than 80% of the house price. If the construction area of the purchased house is over 90 square meters, the down payment shall be no less than 30% of the house price, and the loan amount shall not be higher than 70% of the house price. Secondly, if an employee's family purchases a second house through a provident fund loan, the down payment shall not be less than 50% of the house price, and the loan amount shall not be higher than 50% of the house price. Those who buy the third set or above can no longer purchase houses through provident fund loans.
Calculated by repayment ability: the calculation formula is {(total monthly salary of the borrower, monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan }× loan period (month).
In addition, if the borrower is married, he/she can use his/her spouse's quota, and the calculation formula is: {(the total monthly salary of both husband and wife, the monthly contribution of the housing accumulation fund of both husband and wife's work units) × repayment ability coefficient-the total monthly repayment amount of existing loans of both husband and wife }× loan period (month).
Calculated by account balance: when employees apply for housing provident fund loans, the loan amount shall not be higher than 10 times of the housing provident fund account balance when applying for loans (at the same time, applying for housing provident fund loans with spouse housing provident fund is the sum of the employee's and spouse's housing provident fund account balances), and the housing provident fund account balance of less than 20,000 shall be calculated as 20,000. Some cities have different balance multiples, so the amount they can apply for will be different.
According to the maximum amount: if I apply for housing provident fund loans with my own housing provident fund, the maximum loan amount is 400,000 yuan, and if I apply for housing provident fund loans with my spouse's housing provident fund, the maximum loan amount is 600,000 yuan. If the borrower pays back the housing provident fund normally, the maximum amount of housing provident fund loans with my housing provident fund is 500,000 yuan, and the maximum amount of housing provident fund loans with my spouse housing provident fund is 700,000 yuan.