If the provident fund loan is jointly made by married couples, the loan amount will be higher and more affordable for buyers. So what is the maximum amount of provident fund loans for both husband and wife? The maximum amount is different in different cities and regions. For example, the loan amount of Hangzhou married provident fund is 6.5438+0.2 million, while the surrounding counties and cities are only 960,000 or 840,000. In other cities, such as Shanghai, the maximum amount is 6,543.8+0.2 million, and in Nanjing, the maximum amount is 6,543.8+0.2 million. Therefore, different cities are very different, just need to know your own loan amount locally. However, if the loan amount is high, the income of husband and wife and the balance of provident fund must reach the standard. If it's not up to standard, you can't borrow that much.
The influencing factors of provident fund loans 1 are influenced by the housing provident fund loan policy. There is a maximum amount limit for provident fund loans, and the amount of housing provident fund loans in different cities and regions is different. Individual applications and family applications for housing provident fund loans can get different quotas. The amount of provident fund loans available for the purchase of the first suite and second-hand houses is also different. 2. Affected by the down payment ratio. Different regions have different requirements for down payment ratio. Usually the down payment ratio of the first suite will be between 20% and 30%, and the second suite is usually above 30%. The down payment requirement can also directly affect how much mortgage amount you can get. 3. Affected by the housing appraisal price. If the maximum loan amount of provident fund loans in a region is 6.5438+0.2 million. However, if the total price of the house purchased by the loan applicant is only 800,000. Then, it is impossible for the provident fund loan applicant to get the maximum loan amount of 654.38+0.2 million. Because the loan amount is related to the housing evaluation price, usually only about 70% of the housing evaluation price can be obtained; Second-hand housing can get a lower amount. 4. Affected by the area of purchased houses. Different housing areas have different down payment ratios. Therefore, because of the influence of housing area and down payment ratio; The loan amount that provident fund loan applicants can get will also be affected. 5. Affected by the balance of the provident fund account. The general provident fund loan amount is calculated by multiplying the balance of the provident fund account by a certain multiple. Therefore, the less the balance of your provident fund account, the less the amount of provident fund loans you can get. 6. Affected by the deposit base. Some cities stipulate that the total monthly principal and interest of mortgage loans should be less than or equal to 50% of the deposit base (calculated by equal principal and interest). Therefore, the higher the deposit base, the higher the amount of provident fund loans that can be obtained. 7. Affected by the deposit time. The loan amount of housing provident fund in some cities is calculated according to the loan amount = the balance of provident fund deposit of the borrower (or husband and wife) x a certain multiple x the time coefficient of deposit. Therefore, the greater the deposit time coefficient, the higher the amount of provident fund loans that applicants can obtain.
2. What is the maximum amount of provident fund loans for both husband and wife?
According to the loan amount calculated by the maximum loan amount, if I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 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.
Loan amount calculated according to repayment ability: (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 term (month). If the spouse's quota is used, (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 period (month). Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution);
Loan amount calculated according to house price: loan amount = house price × loan ratio. The loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage sets;
3. What is the maximum loan amount for both husband and wife?
What is the maximum loan amount for both husband and wife? The quota is the sum of the quotas of two people. In some areas, there are loan quotas that stipulate that two people can borrow together. So you need to ask the local provident fund center for details.
4. What is the maximum loan amount for both husband and wife?
Husband and wife * * * have real estate mortgage loan requirements:
The so-called real estate mortgage loan means that the borrower uses the real estate under his own or others' name as collateral to handle the loan. It is reported that the maximum amount of real estate mortgage loan can reach 70% of the real estate assessment value, and the longest loan period can reach ten years, which can effectively solve the borrower's capital problem. But if the property under the borrower's name is jointly owned by husband and wife, what are the conditions for applying for a loan with the property as collateral?
(1) requires the signature of both husband and wife. Because the property belongs to both husband and wife, both parties have the same right to dispose of the property, and neither party can make any decision at will. Therefore, if the borrower wants to mortgage the property shared by both husband and wife, it must be signed by both parties.
(2) The real estate meets the mortgage conditions, that is, the mortgaged real estate must have a real estate license and a state-owned land use certificate, with clear property rights and no property rights, can be listed and traded normally, and the age of the house is preferably no more than 20 years.
(3) When applying for a real estate mortgage loan with complete loan procedures, the borrower shall provide a valid ID card, marriage certificate, household registration book, bank account and proof of real estate ownership of the mortgaged real estate.
(4) Good credit record When both husband and wife have real estate as collateral to apply for a loan, the lending institution will check the personal credit reports of both parties. If one party has a bad credit record, the loan application will be rejected.
(5) When applying for a real estate mortgage loan with the ability to repay in full and on time, the lending institution should not only examine whether the mortgaged real estate meets the requirements and whether the borrower's credit is good, but also examine the borrower's repayment ability. If the repayment ability does not meet the requirements of the lending institution, the loan will also be refused.
The maximum amount of mortgage loan can be about 80% of the appraised value of the house.
Provident fund loan:
The Housing Provident Fund Management Center issued the Notice on Raising the Maximum Amount of Personal Housing Mortgage Loan of Guangzhou Housing Provident Fund, stipulating that the maximum amount of personal loan is RMB 500,000; If two or more applicants purchase the same house, the maximum amount shall be the sum of the loanable amount of each applicant, but the total amount shall not exceed RMB 800,000. This provision has been used to this day.