The amount of entrusted loans for housing provident fund shall not exceed 70% of the total amount of housing purchased by employees, and the monthly repayment amount shall not exceed 50% of the monthly economic income of both husband and wife. The maximum amount of housing provident fund personal housing entrusted loan is 6.5438+0.5 million yuan. The loan interest rate is 4.59% for five years or less and 5. 13% for more than five years.

Second, how much can a public institution borrow by paying a 6-month provident fund?

After half a year, the housing accumulation fund can borrow up to 500,000 yuan and 700,000 yuan in the name of family or husband and wife. However, different regions have different provisions on the loan amount of provident fund, and the specific loan amount needs to be determined according to local standards.

3. What is the maximum loan for Hengshui housing provident fund?

1. The formula for calculating the maximum loanable amount according to the balance of Hengshui housing provident fund account is: (balance of provident fund account ×2× statutory retirement months) × 22. According to the maximum loanable amount calculated by the maximum loan limit in Hengshui City, one person applies for a housing provident fund loan of 500,000 yuan, and two or more people purchase the same house and apply for a housing provident fund loan of 800,000 yuan. 3. For families (including borrowers, spouses and minor children, the same below) who purchase the first set of housing in Hengshui with a construction area of 90 square meters (including 90 square meters) or purchase affordable housing in Hengshui according to regulations, the loanable amount calculated according to the loan ratio of Hengshui is not less than 20%; For families who purchase the first home and have a building area of 90 square meters or more, the down payment ratio is not less than 30%;

Four, Hengshui housing provident fund loan amount?

The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower.

The calculation method of provident fund loan amount is as follows:

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%.

Total monthly salary = monthly contribution of provident fund ÷ (proportion of unit contribution and proportion of 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:

The specific maximum amount varies from place to place, so it is recommended to consult the local housing provident fund management center.