202 1 Employees who have continuously paid the housing provident fund for more than 6 months, have the permanent residence in this city or the valid residence identity certificate in this city, have a good repayment reputation and can repay the principal and interest on time. If they buy, build or renovate their own houses in this city, they can get a maximum one-time loan of 400,000 yuan and a maximum loan of 500,000 yuan for power enterprises with valid contracts and loan materials.

2. What is the maximum amount of housing provident fund loans in Hohhot?

300 thousand

Three, Hohhot provident fund loan amount

Hohhot provident fund loan amount, term and interest rate: loan amount: if the borrower and his wife establish housing provident fund, the maximum loan amount is 800,000 yuan. Unilateral establishment of housing provident fund, the maximum loan amount is 500 thousand yuan. Loan interest rate The annual interest rate for loans with a loan term of less than 5 years (including 5 years) is 2.75%. The annual interest rate of loans with a term of more than 5 years is 3.25%. The longest loan period of individual housing provident fund loans is 30 years (the retirement age is extended by 5 years).

4. What is the calculation formula of Hohhot housing provident fund loan amount?

The calculation method of provident fund loan amount is as follows:

1, loan calculated according to repayment ability

[(Total monthly salary of the borrower, capacity coefficient of the borrower's unit housing provident fund-total monthly repayment amount of the borrower's existing loan] × loan term (month).

2. According to the quantity used by the spouse:

[(Total monthly salary of husband and wife, single capacity coefficient of husband and wife-total monthly repayment amount of existing loans of husband and wife] × loan period.

Among them, the repayment ability coefficient is 40%.

Total monthly salary, unit deposit ratio, personal deposit ratio).

3. According to the house

The calculation formula is: loan amount = house price × loan ratio.

4. The loan amount calculated according to the maximum loan amount:

Generally, 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 supplementary housing provident fund is normally paid by himself or his spouse when applying for a loan, the maximum loan amount is 700,000 yuan (in different places).

(The specific maximum amount varies from place to place. It is recommended to consult the local housing provident fund management center at telephone number 12329. )