When applying for provident fund loans, you can't borrow as much as you want, but it must be within the amount stipulated by the policy. Moreover, the final loanable amount is calculated according to the corresponding factors, and each region is different. Let's take a look at the calculation method of Beijing provident fund loan amount.

How does Beijing calculate how much money it can borrow from the provident fund?

In case of monthly deposit, the monthly repayment amount of the borrower shall not exceed 60% of the monthly income, and the loan amount = (monthly individual deposit amount/deposit ratio-Beijing basic living expenses) ÷ monthly repayment coefficient of corresponding years *60%.

According to the deposit term, every deposit of 654.38+0 years can be loaned by 6,543.8+10,000 yuan, with a maximum loan of 6,543.8+0.2 million yuan. If the loan applicant is a married couple and the deposit of the provident fund meets the requirements of the provident fund loan, the deposit period can be calculated according to the party with the longer deposit period.

Maximum loan amount:

The maximum loan amount of the first home loan is 6.5438+0.2 million yuan. The maximum loan amount for the second home loan is 600,000 yuan.

After reading the above introduction, I believe everyone can have a better understanding of how to calculate how much money Beijing can borrow from the provident fund. General housing provident fund individual housing loan period is 1 year at the shortest and 30 years at the longest. Specific to the individual, should be combined with the age of the loan applicant and the remaining service life of the purchased house to determine.