1, housing provident fund loan amount
Provident fund loan amount refers to the maximum loan amount that an individual can apply for when using provident fund loans. Only employees who have permanent residence in local cities and towns, have established the housing provident fund system for more than 2 years, and have paid the housing provident fund according to regulations can enjoy the provident fund loan when the funds for purchasing or building houses or renovating or overhauling their own houses are insufficient. The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower. The calculation method of provident fund loan amount is as follows:
(1) Loan amount calculated according to repayment ability
The calculation formula is:
[(total monthly salary of the borrower, monthly contribution of the borrower's housing provident fund) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan term (month).
(2) According to the usage of spouse
[(total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan term (month).
Among them, the repayment ability coefficient is 40%.
Total monthly salary = monthly contribution of provident fund ÷ (proportion of unit contribution and proportion of individual contribution)
(3) Loan amount calculated according to house price
The calculation formula is: loan amount = house price × loan ratio.
(4) the loan amount calculated according to the maximum loan amount
If I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, 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.
Legal basis: Notice of Tianjin Housing Provident Fund Management Center on Adjusting Relevant Policies of Housing Provident Fund (Tianjin Provident Fund Committee [2022] No.3), which was implemented on May 27, 2022 and abolished on May 26, 2027.
1. Employees who have continuously paid the housing provident fund in full for 3 months and rented affordable rental houses in our city can apply for withdrawal of the housing provident fund, and the monthly withdrawal amount shall not exceed the rent paid in that month, and the total amount shall not exceed 2,400 yuan.
2. Employees paid in this city apply for individual housing provident fund loans to purchase the first family housing, with a maximum loan amount of 800,000 yuan.