If both husband and wife's provident fund accounts handle provident fund withholding business, one party's provident fund account will be the main deduction account, and when the main deduction account is insufficient to repay the loan principal and interest of the current month, the balance of the other party's provident fund account will be deducted; If the accumulated balance of the husband and wife's provident fund account is insufficient to repay the loan principal and interest of the current month, it shall not be withheld, and the client shall deposit the funds that can be fully transferred every month into the repayment savings account (provided when applying for a loan) before the monthly repayment date.
Second, how to calculate the amount of provident fund loans for both husband and wife?
If you want to apply for provident fund loans, due to the different policies of cities, do you have provident fund loans in your area and the specific provisions of related businesses? I suggest you contact the local pre-loan department or provident fund management center by phone for confirmation.
Three, the calculation of husband and wife provident fund loan amount
Subjectivity of law: the value of houses is getting higher and higher, and many people will buy houses and invest. After buying a house, they want to buy a second house, which happens to have a provident fund. The interest rate of provident fund loans will be much lower than that of commercial loans, but the amount will not be too high. Then, what is the loan amount for the second home of the husband and wife provident fund? The down payment ratio of the second suite is 60-70%, which varies from place to place. 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 the loan amount of the provident fund is as follows: The calculation formula of the loan amount calculated according to the repayment ability is [(total monthly salary of the borrower, monthly contribution of the housing provident fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month). According to the amount used by the spouse [(the total monthly salary of both husband and wife, the monthly contribution of housing provident fund of both husband and wife's work units) × repayment ability coefficient-the total monthly repayment amount of existing loans of both husband and wife ]× loan period (month). Among them, the repayment ability coefficient is 40% of the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution). The formula for calculating the loan amount according to the house price is: loan amount = house price × loan ratio. 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. There have been lawyers online for a long time. For legal issues related to the second home loan of husband and wife provident fund, you can consult a lawyer directly online.
Legal objectivity: Article 26 of the Regulations on the Management of Housing Provident Fund states that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center. "Regulations on the Administration of Housing Provident Fund" Article 27 An applicant applying for a housing provident fund loan shall provide a guarantee.
Four, the husband and wife provident fund loan amount is calculated by two people separately?
Is the husband and wife provident fund loan amount calculated by two people separately?
Nowadays, more and more young people buy houses, many of them are newly married young couples. On the issue of buying a house, many people also choose provident fund loans to buy a house. So, is the husband and wife provident fund loan amount calculated by two people alone? The following is what I arranged for you. The amount of the husband and wife provident fund loan is calculated by two people respectively. I hope you like this article!
1. Is the husband and wife provident fund loan amount calculated by two people separately?
No, the calculation method of husband and wife loan amount is as follows:
The loan amount shall not be higher than 50% of the purchase price: {(the total monthly repayment amount of the loans that both husband and wife have made in the housing accumulation fund of the monthly work unit }× the loan period (month); If the construction area of the purchased house exceeds 90 square meters, the down payment of not less than 50% of the purchased house price shall be suspended.
How to calculate the loan amount of the second suite and the second suite provident fund?
The second set of loans for employees' families shall not be higher than the balance of the housing provident fund account when employees apply for loans (at the same time, applying for provident fund loans by using spouse's housing provident fund: purchasing commercial housing by repayment: the monthly deposit of housing provident fund in the borrower's unit) × repayment ability coefficient—the total monthly repayment of the borrower's existing loans× loan term (month), and the maximum loanable amount for targeted resettlement of the minimum affordable housing is 500,000 yuan.
Among them, the repayment ability is the monthly repayment amount of accumulated provident fund ÷ (the proportion of unit deposits and personal deposits), and the calculation formula of loan house price is. Hello, it's the first time for employees to buy a house and apply for a loan. The loan amount is not higher than 70% of the purchased house price, and the maximum loan amount is 500,000 yuan. The loan amount should also not be higher than the total price of the house purchased and the compensation for the house. The first set of housing (including commercial housing and targeted affordable housing) is used to purchase and build housing or renovate housing. The purchase of targeted resettlement is suitable for spouses to pay monthly housing subsidies normally, and the house price is deducted. The loan amount is not higher than that of spouse and minor children. The maximum loan amount of the provident fund is 400,000 yuan, and the targeted sales of affordable housing or
Third, the husband and wife provident fund loans.
(a) there is a certain amount of housing provident fund in the housing provident fund account of both husband and wife;
(2) Both husband and wife must continuously pay the housing accumulation fund 1 year or more;
(3) Up to now, neither husband nor wife has any housing provident fund loans that need to be returned, that is to say, they have never borrowed provident fund loans before the housing is retired;
(four) for housing provident fund loans to buy housing property certificates must have the names of both husband and wife;
(5) When both husband and wife apply for housing provident fund loans, they need to provide their marriage certificates.
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