2. Application for two or more persons: the amount of provident fund loan = [(the total monthly salary of the borrower and the same borrower+the monthly contribution of the housing provident fund of the same borrower and the same borrower) × repayment ability coefficient-the sum of the monthly repayment amount of the borrower's existing loan and the loan period (month) * * *.
In addition, users need to pay attention to the fact that the amount of provident fund loans has a certain multiple relationship with the borrower's provident fund balance. The formula is as follows: the loan amount of provident fund = the balance of employee housing provident fund × N ratio. The above is how to calculate the amount of provident fund loans in 2022.
Introduction of provident fund loan amount
Different regions have different requirements for provident fund loans. For example, Changsha requires employees to apply for personal provident fund loans at home, and the loan amount is 15 times of the sum of the housing provident fund balances of both husband and wife; Shenzhen requires that the amount of provident fund loan be 14 times of the applicant's provident fund balance or the sum of the applicant's calculated loan amount and the applicant's provident fund balance.
Provident fund loan processing flow
1. Go to the local provident fund management office to check whether an individual is qualified for provident fund mortgage loans. If you meet the requirements for provident fund mortgage loans, you can apply for provident fund loans at the authorized bank of the local provident fund management office. You need to fill in the provident fund loan application form, and at the same time, you need to show your valid ID card, savings card, purchase contract or purchase agreement.
2. After receiving the applicant's application for housing provident fund loan, the bank will basically examine and approve the applicant's loan qualification. After the approval, the bank will notify the applicant to go to the bank for face-to-face examination procedures, and it is necessary to sign a loan contract, loan receipt, provident fund hedging transaction agreement and provident fund deduction agreement. After the bank has passed the preliminary examination, it will send the qualified materials and information to the center for review and careful examination. In view of the non-conformity in the preliminary examination, the bank will inform the applicant of the reasons for the non-conformity;
3. After receiving the application materials submitted by financial institutions, the provident fund management office will review the loan qualification, loan credit line and term of the applicant who has passed the preliminary examination. If it passes the examination of the provident fund management office, the provident fund management office will authorize commercial financial institutions to issue loans to applicants. After obtaining the loan property, the applicant can repay the loan on time and deduct the expenses according to the regulations.
This article is mainly about how to calculate the amount of provident fund loans in 2022, and the content is for reference only.