Luoyang provident fund loan amount The personal housing loan amount is calculated according to the following method and the borrower's repayment ability: the monthly repayment amount = the sum of the deposit bases of both husband and wife × 50%; (2) Calculated according to the individual account balance and deposit time: the loan line account balance multiplied by the spouse's reserve × deposit time coefficient (insufficient account balance
2. How much can I borrow from Luoyang Provident Fund for 10,000 yuan?
The minimum loan is 654.38+10,000 yuan.
1. For employees who use the housing provident fund for the first time, the minimum loan amount of the housing provident fund is 1.5 million yuan.
2. For employees who have used the housing provident fund, the minimum amount of housing provident fund loans is approved to be 6,543,800 yuan.
3. How to calculate the loan amount of Luoyang Provident Fund?
According to the latest regulations of Luoyang Housing Provident Fund Management Center, starting from March 20 16 1 day, the loan amount of Luoyang housing provident fund will be approved in the following ways: 1. Calculation method of loan amount The personal housing loan amount of the employee housing provident fund will be calculated according to the following methods, and the lowest value will be taken. (1) Calculated according to the borrower's repayment ability: monthly repayment amount = sum of deposit bases of both husband and wife × 50%; (2) Calculated by personal account balance and deposit time: loan amount = (borrower's provident fund account balance and spouse's provident fund account balance) × 10 times× deposit time coefficient (if the account balance is less than 10000 yuan, it shall be calculated by 10000 yuan); The comparison between deposit time (month) and deposit time coefficient is as follows: 6 1224364860 II. The balance of the borrower's housing provident fund account is determined on the basis of the account balance normally remitted from the date of opening the account. Three, employees who have not used the housing provident fund, the minimum amount of housing provident fund loans is approved by 654.38+0.5 million yuan; For employees who have used the housing provident fund, the minimum loan amount of the housing provident fund is 654.38+10,000 yuan. Four, the loan amount can be applied for is not higher than the loan limit determined by the proportion of the total housing price. 5. The loan amount that can be applied for is not higher than the maximum loan amount. v
4. How much can I borrow from my provident fund loan of about 10 thousand? Probably buy a house ...
Hello! I want to buy a second-hand house. Because of the bank loan, the owner negotiated with us and we paid 50% down payment. He signed a contract with us and mortgaged the real estate license to me.