Hello, the calculation of the loan amount of Hengshui housing provident fund should be determined according to three conditions: the multiple of the storage balance of Hengshui housing provident fund account, the maximum loan amount and the loan ratio. The minimum value calculated according to these three conditions is the maximum loanable amount of the borrower.
1. The formula for calculating the maximum loanable amount according to the balance of Hengshui housing provident fund account is:
(balance of provident fund account+monthly payment of provident fund ×2× statutory retirement months) ×2
2. The loanable amount is calculated according to the maximum amount of Hengshui loan.
If one person applies for a housing provident fund loan, the maximum loan amount is 500,000 yuan, and if two or more people purchase the same house and apply for a housing provident fund loan, the maximum loan amount is 800,000 yuan.
3. The loanable amount calculated according to the loan proportion of Hengshui City.
For families (including borrowers, spouses and minor children, the same below) who purchase the first set of housing in Hengshui City and whose construction area in Xing Tao is less than 90 square meters (including 90 square meters) or purchase affordable housing in Hengshui City according to regulations, the down payment ratio shall not be less than 20%; For families who purchase the first home and the interior construction area is 90 square meters or more, the down payment ratio is not less than 30%;
For families who buy a second Hengshui house, the down payment ratio shall not be less than 60%, and the loan interest rate shall be 1. 1 times of the benchmark interest rate of the same grade in the same period.