The entrusted loan amount of housing provident fund shall not exceed 70% of the total 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 less than five years, and 5. 13% for more than five years.
Second, how much can a public institution borrow by paying a six-month provident fund?
After half a year, the housing accumulation fund can borrow up to 500,000 yuan, and if it is jointly loaned in the name of family or husband and wife, it can borrow up to 700,000 yuan. However, different regions have different provisions on the loan amount of provident fund, so the specific loan amount needs to be determined according to local standards.
3. What is the maximum loan amount of 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 loan limit in Hengshui City, the maximum loanable amount is: 500,000 yuan for one person to apply for a housing provident fund loan, and 800,000 yuan for two or more people to purchase the same house. 3. Families (including borrowers, spouses and minor children, the same below) who purchase the first home with a construction area of 90 square meters (including 90 square meters) or purchase affordable housing in Hengshui according to regulations shall have a loanable amount of not less than 20% according to the loan ratio of Hengshui; For families who purchase the first home and the interior construction area is 90 square meters or more, the down payment ratio is not less than 30%;
4. What is the loan amount of Hengshui housing provident fund?
The calculation of the loan amount of provident fund should be determined according to four conditions: repayment ability, the proportion of housing 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 of provident fund loan amount is as follows:
1. The formula for calculating the loan amount according to the repayment ability is:
[(the total monthly salary of the borrower and the monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-the 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 the unit where husband and wife work) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan term (month).
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. 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.