Now families who buy a second home need to use provident fund loans to buy, but each city has different plans to use provident fund loans to buy a second home. How to use provident fund loans for the second house in Shanghai?
Shanghai Second Suite Provident Fund Loan
The maximum amount of provident fund loan for single provident fund and second suite is 200,000 yuan+supplementary provident fund is 6,543,800 yuan; Two people's provident fund loans doubled. Specific calculation method:
1, which is not higher than the loan limit determined according to the multiple of the balance stored in the housing provident fund accounts of the borrower, spouse and borrower (40 times the balance of housing provident fund and 20 times the balance of supplementary housing provident fund);
2, not higher than the loan limit determined by the proportion of the total housing price;
3. Not higher than the loan limit determined according to the repayment ability. The calculation formula is: what is the salary base for the borrower to calculate the monthly deposit of housing provident fund? Determine the proportion (50%)? 12 months? Term of the loan;
4. Not higher than the maximum loan amount. Housing provident fund is paid jointly by units and individuals. Generally speaking, the amount of housing provident fund that employees need to pay each month is equal to the average monthly salary multiplied by the deposit ratio of housing provident fund, and the amount of housing provident fund that units pay for employees each month is also the average monthly salary of employees multiplied by the deposit ratio of housing provident fund. Therefore, the amount of housing provident fund paid by employees every month is equal to the amount paid by individuals plus the amount paid by units.