1. repayment ability. The calculation formula is (the total monthly salary of the borrower or husband and wife+the monthly contribution of the unit housing provident fund) multiplied by the repayment ability coefficient-the total monthly repayment amount of the existing loan of the borrower or husband and wife multiplied by the loan period (month).
2. house price. Loan amount = house price multiplied by loan ratio.
3. Balance of housing provident fund account. If I use the housing provident fund to apply for a loan, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a loan, 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.
4. Maximum loan limit. According to the relevant provisions of the state and the specific situation of Tianjin, the maximum amount of loans has been set.
Specific to the loan amount for purchasing the first or second set of housing, the loan amount for the first set of housing is not higher than 20 times of the balance of the housing provident fund account and not less than 20,000 yuan; The amount of the second housing loan shall not be higher than 10 times of the balance of the housing provident fund account, and shall not be less than 20,000 yuan. The purchase of the third and above housing, suspend the issuance of personal housing provident fund loans.
Tianjin provident fund loan conditions are as follows:
1, the unit has opened the provident fund account for more than one year and paid the housing provident fund for one year before applying for the provident fund (portfolio) loan, and the unit does not owe it;
2. I have no outstanding provident fund (portfolio) loan;
3. I and my spouse have good credit status;
4. Employees buy, build, renovate and overhaul their own houses.
To sum up, according to the new policy implemented on February 30, 20 16, 16, the loan amount of Tianjin housing provident fund is no longer based on individuals, but on families. Housing provident fund loans are limited to the first or second purchase, and cannot be used for the third purchase.
Legal basis:
Regulations on the administration of housing provident fund
Article 11
The housing provident fund management center shall perform the following duties:
(a) the preparation and implementation of housing provident fund collection and use plan;
(two) responsible for recording the deposit, withdrawal and use of employee housing provident fund;
(three) responsible for the accounting of housing provident fund;
(four) to approve the extraction and use of housing provident fund;
(five) responsible for the preservation and return of housing provident fund;
(six) the preparation of housing provident fund collection and use plan implementation report;
(seven) to undertake other matters decided by the housing provident fund management committee.