Yes, where to pay the provident fund and where to borrow money to buy a house.
I plan to borrow 320 thousand and pay it back in 30 years. The salary base of the provident fund is 3,000 yuan, and the individual pays/kloc-0.5% every month, which is 450 yuan; The company pays 25% every month, that is, 750 yuan. Can I get a loan of 320 thousand?
Calculation method:
The maximum amount of personal provident fund loan is 400,000 yuan, calculated according to the following requirements (the minimum amount is the amount of provident fund loan):
1, sum of monthly salary income of the borrower and * * the same repayment person × 12 (month )× 40 %× loan period (monthly salary income = monthly contribution of provident fund ÷ payment rate).
3000 * 12 * 0.4 * 30 = 432000 = 432000.
2. The purchase of the first self-occupied housing with a construction area of less than 90 square meters shall not exceed 80% of the total purchase price; The purchase of the first self-occupied housing with a construction area of more than 90 square meters shall not exceed 70% of the total purchase price;
The purchase of the second self-occupied house shall not exceed 50% of the total purchase price, and the interest rate shall be 1. 1 times the benchmark interest rate.
3. The total price of second-hand houses is the lowest value of transaction and evaluation price.
4. The repayment ability coefficient is tentatively set at 0.4.
5. The Borrower and * * * co-borrower are only husband and wife. Unmarried children may consider choosing one of their parents as * * * co-borrower.
6. When applying for a second loan, you must invite all the previous loans.
If sex doesn't affect you, you should be able to borrow 320 thousand.
3. In addition, what is the examination and approval standard of the agricultural reclamation fund? Is it based on the salary card?
Yes, the calculation and approval are based on your deposit ratio.