Legal subjectivity:

The calculation of provident fund loan should be based on four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, among which the minimum value calculated by the four conditions is the maximum loanable amount of the lender. The calculation formula of provident fund loan based on repayment ability is: loan amount (total monthly salary of the borrower or husband and wife, monthly contribution of housing provident fund of the unit where the borrower or husband and wife work) × repayment ability coefficient 40%- monthly repayment amount of the existing loan of the borrower or husband and wife × 12 (month) × monthly contribution of loan funds (unit contribution ratio and individual contribution ratio). Article 26 of the Regulations on the Administration of Housing Provident Fund shall apply to the Housing Provident Fund Management Center for housing provident fund loans in the process of purchase, construction, renovation and construction. Make a decision on whether to grant loans within 5 days of housing provident fund management/kloc-0, and notify the applicant to go through the loan procedures. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Legal objectivity:

"Workers who pay housing provident fund can apply for housing provident fund loans to the provident fund management center when purchasing, building, renovating or overhauling their houses. Make a decision on whether to lend or not within 15 days after the housing surplus is cracked, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The Housing Reserve Housing Provident Fund Management Center undertakes. " Regulations on the Administration of Housing Provident Fund Article 27 Where an applicant applies for a housing provident fund loan,

Second, how to calculate the provident fund mortgage service fee?

Guarantee fee: 100 yuan/household.

Guarantee service fee: provident fund loans (including portfolio) are charged at 3‰ of the loan amount.

Advance notice registration fee: 80 yuan/household.

Pre-registration of mortgage: handling fee in 50 yuan/household registration fee in 80 yuan/household.

Intermediary service fee, 1%.

3. What is the calculation formula of provident fund loan?

1, (monthly total wage accumulation fund)-monthly repayment amount 0.4 12 loan term 2. If the balance of provident fund is less than 10000, the maximum loan can be 200000 3. The maximum personal provident fund loan is 400,000, and the maximum supplementary provident fund loan is 500,000. The husband and wife provident fund is up to 600,000, and the supplementary provident fund is up to 700,000. 4. 30% down payment and 70% loan. 5. Provident fund loans can be loaned for up to 20 years. Men can borrow until they are 65, and women can borrow until they are 60.

4. Calculation of provident fund loans?

Provident fund loan calculator is a tool to calculate the monthly repayment amount after using provident fund loans. One-time repayment of principal and interest shall be paid off together with the principal. Matching principal and interest repayment requires fixed monthly repayment. Matching principal and interest repayment is equivalent to matching principal and interest repayment. Average capital repayment method is to amortize the principal every month and pay off the interest from the previous trading day to the repayment date.

The interest rate of housing provident fund loans for more than five years is 4.50%, the monthly interest rate is 4.50%/ 12, and the interest rate of housing provident fund loans for five years and below is 4.0% per annum.