The calculation methods of housing provident fund loans include average capital repayment method, that is, monthly repayment amount = loan principal/repayment months (principal-accumulated amount of repaid principal) × monthly interest rate, equal principal and interest repayment method and free repayment method. The specific way shall be agreed by the parties in the loan contract.

legal ground

Article 26 of the Regulations on the Management of Housing Provident Fund

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Article 27

Applicants who apply for housing provident fund loans shall provide guarantees.

Article 668 of the Civil Code

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article six hundred and eighty

It is forbidden to lend at high interest rate, and the lending rate shall not violate the relevant provisions of the state.

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The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

How to calculate the loan amount of housing provident fund?

Housing provident fund is generally used to buy a house, but before buying a house, do you know about housing provident fund? In fact, the housing provident fund is also limited to buying a house, and it is impossible to apply for a housing provident fund loan by paying the housing provident fund. Then, how to calculate the housing provident fund loan amount? What is the process of buying a house with provident fund? Let's take a look with Bian Xiao.

1. How to calculate the loan amount of housing provident fund?

1. The maximum loanable amount calculated according to the balance of housing provident fund account is: (balance of provident fund account, monthly contribution of provident fund ×2× statutory retirement months )× 2.

2. According to the loanable degree calculated by the maximum loan amount, the maximum loan amount for one person to apply for housing provident fund loans is 500,000, and the maximum loan amount for two or more people to purchase the same housing is 800,000.

3. For the loanable amount calculated according to the loan ratio, the down payment ratio shall not be less than 20% for families who purchase the first house with a construction area of less than 90 square meters, or those who purchase affordable housing according to regulations. For families who purchase the first home and have a building area of more than 90 square meters, the down payment cannot be less than 30%.

Second, the provident fund to buy a house process

1. The housing fund management center signs an entrusted loan agreement with the entrusted bank.

2. The borrower submits the loan application to the housing provident fund management center, and the entrusted bank submits the application materials of the mobile phone borrower as required, and then submits them to the housing provident fund management center for review.

3, housing fund management center for examination and approval, signed a loan contract with the entrusted bank. After signing the contract with the borrower, go through the loan formalities.

4. The entrusted bank directly transfers the loan to the designated account opened by the buyer in the entrusted bank.

Editor's summary: How to calculate the loan amount of housing provident fund? What is the process of buying a house with provident fund? I believe everyone knows something after reading the article. I hope the above contents can bring you some help and suggestions. If you need more relevant information, please continue to follow us.

How to calculate the loan amount of housing provident fund

Loan amount of housing provident fund = (monthly salary base of housing provident fund for borrowers and their spouses and those involved in calculating the loan amount) ×35%× 12 months× loan period (up to fifteen years). Monthly mortgage amount = loan amount ((1 interest rate) times the power of-1) /(( 1 interest rate) times the power of interest rate).

The formula is more complicated. The "power of the number of loan months" here refers to the power of the number of loan months. For example, the loan is 10, which is 120. The loan balance is calculated according to the current original loan interest rate. If it is adjusted in the current year, the adjustment of the payment amount will only be carried out on 1 of the following year according to the latest interest rate standard.

"Regulations on the Management of Housing Provident Fund" Article 25 The employee's withdrawal of the storage balance in the housing provident fund account shall be verified by the unit to which he belongs, and a certificate of withdrawal shall be issued.

Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

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The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

What is the calculation method of provident fund loans?

What is the calculation method of provident fund loans? The calculation of housing provident fund loan amount 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. The minimum value calculated according to the four conditions is the maximum loanable amount of the borrower. The calculation method is as follows: 1 The loan amount is calculated according to the repayment ability. The calculation formula of the employee's own loan amount is: × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period. The calculation formula of husband and wife loan amount is: × repayment ability coefficient-total monthly repayment amount of husband and wife's existing loans ]× loan term. Among them, the repayment ability coefficient is 40%. Total monthly salary = monthly contribution of provident fund ÷. 2. The calculation formula of the loan amount calculated according to the house price is: loan amount = house price × loan ratio A. Purchase of commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sales of affordable housing or private housing. Workers' family loans to buy the first set of housing, the loan amount does not exceed 80% of the purchased housing price. Among them, the housing price of private property housing is the lower value of the total purchase price and the housing evaluation price. Workers' family loans to buy the second set and other self-owned houses that meet the purchase conditions of our city, and the loan amount shall not exceed 70% of the purchased house price. The purchase of targeted resettlement affordable housing, the loan amount should not be higher than the difference between the total price of the purchased housing and the amount of housing compensation. B for the purchase of existing public housing, the loan amount shall not exceed 70% of the purchased housing price; In rural collective land construction, renovation, overhaul of their own housing, the loan amount does not exceed 70% of the required costs. 3. Calculate the loan amount according to the balance of the housing provident fund account. A. If you purchase price-limited commercial housing or affordable housing, the loan amount shall not be higher than 20 times the balance of the housing provident fund account when employees apply for provident fund loans, and the balance of the housing provident fund account shall be calculated at 20,000 yuan. B. If the first self-owned house is purchased by loan, the loan amount shall not be higher than 20 times the balance of the housing provident fund account when the employee applies for provident fund loan; if the balance of the housing provident fund account is less than 20,000 yuan, it shall be calculated as 20,000 yuan. C the loan amount shall not be higher than 10 times the balance of the housing provident fund account when the employee applies for a loan. If the balance of the housing provident fund account is less than 20,000, it will be calculated as 20,000: the loan is used to purchase a second house; Purchase public housing; Construction, renovation or overhaul of self-owned housing on rural collective land. 4. If the loan amount calculated according to the maximum loan amount uses my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 600,000 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 800,000 yuan. When applying for a loan, employees or their spouses pay housing subsidies normally on a monthly basis, with reference to the provisions on normal payment of supplementary housing provident fund. The calculated loan amount is reserved to thousand, and the number below thousand is not zero plus one. The calculation method of provident fund loan will be based on the repayment ability of the applicant, the account balance of individual provident fund and the transaction amount of house price, and then the audit department will issue different calculation methods according to the maximum amount of different loans. If the loan repayment ability is divided as above, it can be divided into two ways: individual repayment of loans by employees and joint repayment of loans by husband and wife.

How to calculate the provident fund loan

Legal analysis: 1. The calculation formula of provident fund loan based on repayment ability is: loan amount (total monthly salary of the borrower or husband and wife, monthly deposit of housing provident fund in the unit where the borrower or husband and wife work) × repayment ability coefficient 40%- monthly repayment amount of existing loans of the borrower or husband and wife ]× 12 (month )× loan period.

2. The calculation formula of provident fund loan based on house price is: loan amount, house price × loan ratio. The loan ratio is determined according to different types.

Legal basis: Article 12 of the Regulations on the Management of Housing Provident Fund, the Housing Provident Fund Management Committee shall, in accordance with the relevant provisions of the People's Bank of China, designate commercial banks entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted banks); The housing provident fund management center shall entrust the entrusted bank to handle financial services such as housing provident fund loans and settlement, as well as the establishment, deposit and return procedures of housing provident fund accounts.

The housing provident fund management center shall sign an entrustment contract with the entrusted bank.

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