The deposit base is generally the average monthly salary of employees in the previous year, and the minimum deposit ratio is 8% and not higher than 12%. Individual and unit payment, all included in the personal account, owned by individuals.
Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.
The calculation of the loan amount of interest-deferred provident fund should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower. The calculation method is as follows:
According to the calculation formula of repayment ability
{(total monthly salary of the borrower+monthly contribution of the housing provident fund of the borrower) ×× repayment ability coefficient-total monthly repayment of the borrower's existing loan }× loan term (month).
Usage of spouse's quota: {(total monthly salary of husband and wife+monthly contribution of housing accumulation 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%.
Total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio+individual contribution ratio).
According to the calculation formula of house price
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:
Purchase of commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sales of affordable housing or private housing.
Employees' families (including employees, spouses and minor children, the same below) borrow money to buy the first set of housing (including commodity housing, price-limited commodity housing, targeted placement of affordable housing, targeted sales of affordable housing or private housing).
And the construction area of the purchased house is less than 90 square meters (including 90 square meters), pay a down payment of not less than 20% of the purchased house price, and the loan amount is not higher than 80% of the purchased house price; If the construction area of the purchased house exceeds 90 square meters, a down payment of not less than 30% of the purchased house price shall be paid, and the loan amount shall not be higher than 70% of the purchased house price.
References:
Baidu Encyclopedia: Housing Provident Fund