Regarding the question of how to calculate the Qingdao housing provident fund loan limit, it is generally not higher than the following four calculation results and the minimum value specified, starting from 10,000 yuan and determined by an integer multiple of 5,000 yuan ( Both the borrower applicant and his spouse meet the housing provident fund payment standards for applying for a provident fund loan, and the loan amount can be calculated together). The details are as follows:
1. Loan amount calculated based on loan repayment ability. The calculation formula is the loan amount = the salary base of the borrower’s monthly payment and deposit × the loan repayment ability coefficient × 12 × the amount calculation period + the salary base of the spouse’s monthly payment and deposit amount × the loan repayment ability coefficient × 12 × the amount calculation period. The "loan repayment ability coefficient" in the formula is 30%; the "limit calculation period" in the formula is 5 years after the legal retirement age (65 years old for men and 60 years old for women) when the borrower and his spouse apply for the loan. The maximum calculation period shall not exceed 30 years.
2. The loan limit is calculated as a multiple of the normal deposit balance of the provident fund account. The first provident fund loan is calculated as 15 times the normal deposit balance of the provident fund account when the borrower and his spouse apply for the loan; the second provident fund loan is calculated as 10 times the normal deposit balance of the provident fund account when the borrower and his spouse apply for the loan. When calculating the loan limit, a starting point of 5,000 yuan is set for the account balance. If the account balance is less than 5,000 yuan, it is calculated as 5,000 yuan.
For those who apply for affordable housing loans that meet the prescribed area standards, the calculation is based on 20 times the normal deposit balance of the provident fund account of the borrower and his spouse when applying for the loan. When calculating the loan limit, the account balance is set to 10,000 The starting point is RMB 10,000. If the account balance is less than RMB 10,000, it will be calculated as RMB 10,000.
The normal payment balance of the provident fund account of the borrower and the spouse shall be determined by the Qingdao Housing Provident Fund Management Center. Abnormal payment of housing provident fund will not be included in the normal payment balance.
3. The loan amount calculated according to the prescribed proportion. When purchasing a newly built house, the loan amount shall not exceed 80% of the total price of the house (excluding supporting fees, decoration fees, etc.) (that is, the down payment ratio shall not be less than 20% of the total price of the house).
When purchasing a re-traded house (that is, a second-hand house), the maximum loan amount shall not exceed 70% of the total price of the house (if the house is less than 10 years old, the down payment proportion shall not be less than the total price of the house). 30%; more than 10 years, excluding 10 years of house age, the age of the house increases in steps of 5 years, and the down payment proportion increases accordingly by 10%).
The total price of the resold house should be evaluated by a real estate appraisal agency recognized by the Qingdao Housing Provident Fund Management Center, and the lower value of the appraised value and the transaction price of the house should be used. Sure.
4. The maximum loan amount determined by the Qingdao Housing Provident Fund Management Committee. Both the borrower applicant and his or her spouse meet the conditions for applying for provident fund loan deposits. For a first-time loan to purchase a newly built house, the maximum loan amount is 600,000 yuan; for a first-time loan to purchase a re-traded house, the maximum loan amount is 350,000 yuan. For a second loan to purchase a newly built house, the maximum loan limit is 500,000 yuan; for a second loan to purchase a re-traded house, the maximum loan limit is 300,000 yuan.
If the borrower only meets the conditions for providing provident fund loan deposit, the loan amount shall not exceed 60% of the maximum loan amount. For the first loan to purchase a newly built house, the loan amount shall be up to 360,000 yuan; For housing transactions, the maximum loan limit is 210,000 yuan. For a second loan to purchase a newly built house, the maximum loan limit is 300,000 yuan; for a second loan to purchase a re-traded house, the maximum loan limit is 180,000 yuan.