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

Loan amount calculated according to repayment ability: (total monthly salary of the borrower, monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan × loan term (month). If the spouse's quota is used, (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 period (month). Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution);

Loan amount calculated according to house price: loan amount = house price × loan ratio. The loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage sets;

According to the loan amount calculated by the balance of the housing provident fund account, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when the employee applies for a loan (at the same time, using the spouse housing provident fund to apply for a provident fund loan is the sum of the balance of the employee's own and spouse's housing provident fund account), and if the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000;

According to the loan amount calculated by 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 a housing provident fund loan, and if I normally repay the housing provident fund when applying for a loan, 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.

2. 1 What is the balance of universal loan Xi 'an provident fund?

1, housing accumulation fund 1, universal loan1-200,000 or so. Generally speaking, the personal provident fund loan amount is 20 times of the balance of 10- provident fund account. However, local policies are different. Please consult relevant local departments for details. 2. The calculation of the loan amount of the provident fund shall be comprehensively considered according to the repayment ability, the percentage of the house price, the balance of the housing provident fund account and the maximum loan amount. The minimum value calculated by the four conditions is the maximum loanable amount of the borrower.

3 housing provident fund account balance is less than 20 thousand, according to the calculation of 20 thousand; According to the loan amount calculated by 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.

4. According to the loan amount calculated by the balance of the housing provident fund account, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when the employee applies for a loan (if the spouse housing provident fund is used to apply for a provident fund loan at the same time, it is the sum of the balance of the employee's own and spouse's housing provident fund account).

How much can I borrow from the balance of 3.3000 yuan provident fund? How to calculate the loan amount?

If the balance is 30,000, you can apply for a loan amount of about 300,000-500,000. However, the amount of provident fund loans in different cities will be different. For example, the balance of Changsha provident fund account is 30,000, and the maximum personal loan is 450,000. The personal loan multiple of Changsha housing provident fund is 15, that is, the loanable amount of employees (including provincial sub-centers) deposited in our city is still calculated as 15 times the sum of the balance of the housing provident fund accounts of both husband and wife of the borrower.

If you have a spouse, you can apply for a higher amount of provident fund. However, it mainly needs to be determined according to the repayment ability of users, the balance of provident fund accounts and the maximum amount of local loans.

1. If calculated according to the repayment ability, the formula of the loan amount of the provident fund is: (the total monthly salary of the borrower and the monthly contribution of the housing provident fund of the borrower's unit) × the total repayment amount× the loan period (month).

2. If the spouse's quota is used, the formula of the loanable amount of the provident fund is: (total monthly salary of both husband and wife, amount paid by both husband and wife) × repayment ability coefficient-total amount of both husband and wife × loan period (month). The repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of provident fund ÷ (the proportion of unit contribution and individual contribution).

4. What is the loan amount of housing provident fund? How to calculate?

Now because of the adjustment of provident fund loan policy, the annualized interest rate is expected to be low, and most people use provident fund loans to buy houses. Then, what is the amount of housing provident fund loans? How to calculate?

1. What is the loan amount of housing provident fund? 1. If I use my housing provident fund to apply for a housing provident fund loan, the maximum loan amount is 400,000 yuan; 2, the use of spouse housing provident fund to apply for housing provident fund loans, the maximum loan amount of 600 thousand yuan; 3. I use my housing provident fund to apply for a housing provident fund loan. If I pay the supplementary housing provident fund normally when applying for a loan, the maximum loan amount is 500,000 yuan; 4. Use the spouse's housing provident fund to apply for a housing provident fund loan, and when applying for a loan, I or my spouse will normally pay a supplementary housing provident fund, with a maximum loan amount of 700,000 yuan. Second, how to calculate the 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 calculation formula of the loan amount calculated according to the repayment ability is: [(total monthly salary of the borrower, monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month). 2. Loan amount calculated by 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 period (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. The formula for calculating the loan amount according to the house price is: loan amount = house price × loan ratio.