According to the Regulations on the Administration of Housing Provident Fund, the loan amount of provident fund is as follows:
1. If I use my housing provident fund to apply for a housing provident fund loan, the maximum loan amount is 400,000 yuan;
2. Use the spouse's housing provident fund to apply for a housing provident fund loan with a maximum loan amount of 600,000 yuan.
3. I use my housing provident fund to apply for a housing provident fund loan. If I pay the supplementary housing provident fund normally when applying for a loan, the maximum loan amount is 500,000 yuan;
4. Use the spouse's housing provident fund to apply for a housing provident fund loan, and when applying for a loan, I or my spouse will normally pay a supplementary housing provident fund, with a maximum loan amount of 700,000 yuan.
It should be noted that most cities have stipulated the maximum amount of a single housing provident fund loan, which generally does not exceed 80% of the total housing price.
Factors affecting the amount of provident fund loans:
1, maximum loan limit
There is an upper limit for the amount of provident fund loans everywhere, and there are differences between husband and wife and individuals. For example, Shanghai housing provident fund loan couples can borrow up to 6.5438+0.2 million yuan and individuals can borrow up to 600,000 yuan.
2. Down payment and house appraisal value
No matter in which city, the amount of provident fund loans will be affected by the down payment and the evaluation value of the house. Maximum loan amount _ total house price _ down payment.
3. Building area
Some cities will take the construction area as one of the evaluation criteria for the amount of provident fund loans. For example, Wuhan stipulates that when purchasing the first set of housing, if the construction area of the purchased housing is below 144 square meters (inclusive), the maximum loan ratio shall not exceed 80% of the total house price; If the building area is above 144 square meters, the maximum loan ratio shall not exceed 70% of the total price of the house purchased.
4, provident fund account balance and the borrower's age.
In some cities, the loan amount of housing provident fund is often linked to the account balance and the age of the borrower, and the calculation formula varies from place to place. For example, the calculation formula of Guangzhou housing provident fund loan amount: account balance × deposit amount in August × months from retirement age.
5. Deposit base
The deposit base also affects the amount of provident fund loans. For example, Shenzhen stipulates that the monthly repayment amount (calculated by equal principal and interest repayment) shall not exceed 50% of the applicant's housing provident fund deposit base. * * * and * * jointly pay the housing provident fund with the applicant in Shenzhen, and the deposit base of the housing provident fund is the sum of the applicant and the applicant's deposit base.
6. Deposit time and monthly deposit amount
For example, the calculation formula of the loanable amount of Dongguan housing provident fund loan: loanable amount = balance of individual provident fund account × (deposit time coefficient income adjustment coefficient )× liquidity adjustment coefficient. Wuhan housing provident fund loan amount = (borrower's monthly provident fund deposit/sum of unit and individual deposit ratio, spouse's monthly provident fund deposit/sum of unit and individual deposit ratio) × 35 %× 12 months× loan period.
Second, how is the amount of provident fund loans calculated?
The amount of provident fund loan is based on four results, namely, repayment ability, house price, maximum amount and balance of provident fund account. The minimum value of these four aspects is the maximum amount of provident fund that can be applied for.
1. The loan amount of provident fund based on repayment ability is:
Loan amount = [(total monthly salary of the borrower or husband and wife, monthly contribution of housing accumulation fund of the unit where the borrower or husband and wife work) × repayment ability coefficient 40%- monthly repayment amount of the existing loan of the borrower or husband and wife ]× 12 (month )× loan period.
2. The amount of provident fund loan based on house price is:
Loan amount = house price × loan ratio. If the construction area of the purchased house exceeds 90 square meters, the loan amount shall not exceed 70% of the purchase price; If the construction area is less than 90 square meters, the loan amount shall not exceed 80% of the purchased loan.
3. According to the maximum loan amount:
The maximum amount of my housing provident fund loan is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a loan, the maximum loan amount is 700,000 yuan.
4. The calculation formula of provident fund loan based on the balance of provident fund account is:
Provident fund loan amount = balance of provident fund accounts of borrowers and participants ×20
Extended data:
Provident fund refers to housing provident fund, which is a housing security system and a form of monetization of housing distribution. Sometimes it refers to the company's provident fund.
From July 20 17 1 day, the transfer and connection of housing provident fund in different places are all handled through the "National Platform for Transfer and Connection of Housing Provident Fund in Different Places". Gradually realize "accounts go with people, money goes with accounts". At the same time, we will vigorously promote off-site loan services to meet the funding needs of paid employees for cross-regional housing purchases.
2016,65438 On February 8th, according to the Notice of the Central Bank, the Ministry of Housing and Urban-Rural Development and the Ministry of Finance on Perfecting the Formation Mechanism of Deposit Interest Rate in Employee Housing Provident Fund Account, the deposit interest rate in employee housing provident fund account was adjusted from the current benchmark interest rate for current and three-month deposits divided by collection time to the unified benchmark interest rate for one-year time deposits on February 2nd.
3.20 16 how much can a person borrow from the provident fund loan?
Need to consult the local provident fund management center. Standards vary from place to place, and there are about one million in Beishangguang.
4. 20 16 provident fund loan. How much can a person borrow at most?
You need to consult the local provident fund management center, which is about one million.