The amount of provident fund loans will be calculated according to the account balance, not just according to the account balance. When calculating the loan amount of provident fund, generally, according to the lender's repayment ability, down payment ratio, the maximum amount stipulated by the local provident fund policy and the balance of the lender's provident fund account, the lowest one is taken as the final loanable amount.

Calculation formula of provident fund loan amount

1. Calculated according to repayment ability: loan amount = [(applicant's monthly salary+monthly contribution of unit provident fund) × repayment ability coefficient-current monthly repayment amount ]× loan period (month), and repayment ability coefficient may be different in different cities, subject to local conditions.

2. Calculated by down payment and house price: amount = house price-down payment.

3. The loan amount shall not exceed the maximum amount stipulated by the local provident fund center.

4. Calculation of the balance of the provident fund account: loan amount = the balance of the applicant's provident fund account ×20 (times), and the multiple may be different in different regions, subject to local regulations.

Provident fund loan conditions

1, with full capacity for civil conduct and legal and valid identity documents.

2. The housing provident fund has been paid in full and continuously for more than 6 months (inclusive).

3. Have a stable professional and economic income and the ability to repay the principal and interest of the loan on time. The borrower and the borrower's monthly repayment of all debt principal and interest shall not exceed 50% of the monthly legal income of the family. The monthly income of the borrower and * * * the same borrower is based on my housing provident fund deposit base plus the monthly housing provident fund deposit amount; If the borrower fails to pay the housing provident fund, it is required to provide valid income proof and proof materials.

4. Good credit status.

5. The purchase, construction, renovation and overhaul of owner-occupied housing occurred within 2 years before applying for a loan.

6. Pay the down payment according to the specified proportion. The down payment ratio of the first set of provident fund loans is 30% of the house price, and the down payment ratio of the second set of provident fund loans is 50% of the house price.

7. Mortgaging the purchased (built) houses or providing third-party houses or securities recognized by the Municipal Provident Fund Center as collateral.

8. The borrower and the borrower's provident fund loan have been paid off or have not occurred.

Yuecheng space garden

Sales reference price: the reference average price is 7700 yuan/㎡.

Address: West of Huaxin Automobile Trade Park, No.0/45, Beihuan West Street.

Property telephone number: 400-8 18-0066 to 07536 1.