1. The formula for calculating the loan amount according to the repayment ability is:
[(total monthly salary of the borrower, monthly contribution of the borrower's housing provident fund) × repayment ability coefficient-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, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan term (month). Among them, the repayment ability coefficient is 40% of the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution).
3. Loan amount calculated according to house price:
The calculation formula is: loan amount = house price × loan ratio.
4. The loan amount calculated according to the maximum loan amount:
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 housing provident fund loans, and if I pay the housing provident fund normally when applying for loans, 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 spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.
What should be paid attention to in Shanghai housing provident fund loan in 2022? 1, the principal lender, spouse * * * and borrower's property right * * * must be present in person.
2. If the first self-occupied house is purchased, and the construction area is less than 90 square meters (including 90 square meters), the down payment ratio of the housing provident fund loan shall not be less than 20%; For families who purchase the first set of self-occupied housing with a floor area of over 90 square meters, the down payment ratio of housing provident fund loans shall not be less than 30%.
For the purchase of a second ordinary house to improve the living conditions, the down payment ratio of the loan shall not be less than 30%. For the purchase of a second set of non-ordinary housing to improve living conditions, the down payment ratio of the loan shall not be less than 60%.
3, in addition to the pre-sale contract, sales contract and second-hand housing sales contract to provide the original, the above materials must be verified, and provide a copy.
4. Before formally accepting the loan, you need to check the property under the family name. For the improved house purchase loan, the original and copy of the existing real estate license under the family name should be provided.
5. If it is an existing house or a second-hand house, the follow-up link can only be handled after tax approval.
6. Lending banks with pure provident fund loans: China Construction Bank Shanghai Branch, Shanghai Rural Commercial Bank and China Minsheng Bank Shanghai Branch.