1. Calculation of loan amount

If it is a house mortgage loan: 1. Actual repayment ability loan amount = (borrower’s monthly provident fund payment/unit and individual payment ratio The sum of the spouse’s monthly provident fund payment/sum of the employer’s and individual’s contribution ratios) is 3512 months. The loan term is 3512 months. The monthly remittance payment amount refers to the amount of provident fund deposited by units and individuals. The deposit ratio is generally 8-12. For example, Xiao Ming is going to apply for a provident fund loan for 20 years. Each month, his employer and individual deposit 600 yuan in provident fund, with a payment ratio of 12. Then Xiao Ming’s payment amount = (600600) / (1212) 351220 = 420000 yuan. 2. Housing provident fund payment situation Loan amount = (borrower’s provident fund deposit balance and spouse’s provident fund deposit balance) 20 times the borrower’s deposit time coefficient. For example, Xiao Ming's account has 20,000 yuan, and he has paid provident fund for less than two years. According to this formula, Xiao Ming's loan amount = 20000200.8 = 320000 yuan. The above two formulas combine your loan conditions to determine the loanable ratio, and finally take the lowest value as your loanable limit. 3. House Valuation The valuation of the house has a huge impact on the mortgage loan amount. The higher the appraised value of the house, the higher the loan amount that the borrower can apply for. For real estate mortgage loans, the maximum loanable value is 70-80% of the appraised value. Some banks have mortgage loan rates as high as 120, with a maximum loanable rate of 1.2 times the appraised value. The mortgage rate for commercial residential buildings can be up to 70%; for office buildings and shops, the mortgage rate can be up to 60%; for industrial plants, the mortgage rate can be up to 50%; and the maximum term can be up to 30 years. But what needs to be emphasized here is that house valuation is often not equal to the market value of the house. In order to resist the fluctuation of the real estate market price, it usually leaves a certain downward space based on the market price of the house. But in general, the price difference is not big. . 4. Personal Qualifications The evaluation of personal qualifications mainly looks at the following aspects: 1. Personal credit status. If the borrower's credit status is not good, the loan will be affected, and in serious cases, the loan will be rejected. If the borrower's credit status is good, it will be easier for him to apply for a higher loan amount. 2. Personal income status: The better the borrower's income status, the higher the loan amount he can obtain. In addition, the better your property status is and the stronger your repayment ability is, the higher the amount you can obtain will likely be. 3. Debt situation In addition to credit information and personal income, the debt situation will also be reviewed by the lending institution. Naturally, the less debt, the better. If the debt is too high, even if a loan is available, the loan amount cannot reach the maximum. 4. How to calculate the bank loan limit according to the purpose of the loan: The bank will monitor the purpose of the loan, and the funds must be earmarked for specific purposes. For example: for renovation, the loan amount does not exceed the renovation amount; for car purchase, the loan amount does not exceed the price of the car. Lending institutions, etc., have looser usage requirements. 5. Lending institutions Each lending institution will be different. Although the requirements are generally similar, there will always be differences. Therefore, even if you apply for a loan with the same conditions, the loan amount will be different depending on the lending institution you choose. So everyone When applying for a loan, you should compare different lending institutions and choose the one that is more suitable for you. 1. What factors are related to the amount of personal loans from banks? From the current point of view, different banks and different loan types have different restrictions on the maximum loan amount. However, how much an individual can borrow from a bank will be determined by the borrower’s repayment ability. , credit situation and other factors are comprehensively determined. Generally speaking, borrowers with large financial needs are best to provide real estate in their own or other people's names as collateral to apply for a mortgage loan. It is reported that the maximum amount of real estate mortgage loans can reach 70% of the appraised value of the property, and the maximum term can be up to ten years, which can effectively alleviate the financial pressure of borrowers. If the borrower has no collateral in his name and the required funds are small, he can also apply for a personal credit loan. The loan amount is generally about ten times the personal monthly income. The specific amount will be determined by the bank based on the borrower's work, income, liabilities, Determine based on credit and other circumstances. Generally speaking, employees in stable occupations such as civil servants and teachers receive higher quotas, because such applicants have stable jobs and incomes, and banks do not need to worry about their inability to repay loans.

Different banks have different requirements for borrowers, so when applying for a loan, it is best to compare with several banks and choose the bank that best matches your conditions. In addition, some banks will provide appropriate discounts on loan interest rates during the next loan process for customers who have never had overdue repayments. Therefore, after you obtain a loan, you must repay it in full and on time to avoid affecting future loan processing. 2. How to calculate bank loan interest rates? The latest bank loan benchmark interest rates: various loans and corresponding interest rates: 4.35 for six months; 4.75 for one year; 4.90 for one to five years; provident fund loan interest rates and corresponding interest rates: 2.75 for five years or less (including five years) ; Over five years 3.25. Legal basis: Article 2 of the Law of the People's Republic of China on the People's Bank of China: The lenders referred to in these General Provisions refer to Chinese-funded financial institutions established in accordance with the law within the territory of China to engage in loan business. The term "borrower" as mentioned in these General Provisions refers to legal persons, other economic organizations, individual industrial and commercial households and natural persons who obtain loans from Chinese-funded financial institutions that engage in loan business. The term "loan" as mentioned in these General Regulations refers to the monetary funds provided by the lender to the borrower and repay the principal and interest according to the agreed interest rate and period. Loan currencies in these General Terms include RMB and foreign currencies. Article 3: The issuance and use of loans shall comply with national laws, administrative regulations and administrative regulations issued by the People's Bank of China, and shall follow the principles of efficiency, safety and liquidity.

2. Calculation of total bank loans

The People's Bank of China will not make one loan in 20 years

3. Calculation of total bank loans

There are two issues that need to be pointed out:

1. There are two repayment methods for monthly repayment of principal and interest: equal amounts of principal and interest, and equal amounts of principal. I don’t know which one you use.

2. The monthly compound interest is 1, whether it is a hundred percent or a thousand percent. Generally, the monthly interest rate is expressed in thousand cents.