according to the personal account balance and deposit time, loan amount = (lender's provident fund account balance+spouse's provident fund account balance) ×××× (deposit time coefficient). The deposit time coefficient is: 1-2 years is 1.; 2-3 years is 1.2; 1.5 for 3-4 years, and 2 for more than 4 years).
according to the borrower's repayment ability: if the borrower is single or his spouse has not paid the provident fund, the monthly repayment ability = the borrower's monthly contribution base of the provident fund-the monthly living expenses of 66 yuan.
if the borrower and his spouse both contribute to the provident fund, the monthly repayment ability = (monthly contribution base of the borrower's provident fund-monthly living expenses in 66 yuan)+(monthly contribution base of the borrower's spouse's provident fund-monthly living expenses in 66 yuan).
loan amount = (monthly repayment ability ÷ monthly repayment amount of equal principal and interest per 1, yuan corresponding to the loan application period × 1, yuan.
provident fund loans refer to loans enjoyed by employees who have paid housing provident fund. According to the state regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
In 212, some cities relaxed the conditions of provident fund loans, and the upper limit of housing provident fund loans will be raised from 2, yuan to 3, yuan from June 1, 212 in 9 counties of Linyi City, Shandong Province.
In October p>214, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued a document, including relaxing the conditions of provident fund loans, promoting loans in different places, reducing intermediate fees, canceling individual housing loan insurance for housing provident fund, notarization, new house evaluation and compulsory institutional guarantee, and reducing the burden on loan workers. Among them, employees who have paid for 6 months can apply for provident fund loans (currently 12 months).
provident fund loans refer to individual housing provident fund loans, which are housing mortgage loans granted by housing provident fund management centers in various places, using the housing provident fund paid by employees who apply for provident fund loans, and entrusting commercial banks to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who paid housing provident fund during their working life. In accordance with the provisions, employees who have paid the housing provident fund for a certain period of time or more (the period varies from city to city, such as Changsha for more than 12 months) may apply for provident fund loans when the funds for the purchase, construction, renovation and overhaul of their own houses are insufficient.