This year, you can use the housing provident fund loan to buy a house in the whole district. As long as it is a house in the community, you can go directly to your unit.
Second, the balance of Yinchuan provident fund exceeds 6,543,800 yuan. Can I borrow 200,000 yuan?
There are more than 500 monthly payments. Provident fund balance 1
3. 1 What is the balance of the provident fund account of the universal loan?
Our account balance is RMB 6,543,800+0,000. How much can I borrow to apply for a provident fund loan? For example:
Individuals can borrow up to 600,000 yuan, and two or more people can purchase the same set of self-occupied housing and jointly apply for personal housing provident fund loans, with a maximum loan of 6,543.8+0,000 yuan.
Calculation formula of loanable amount of individual provident fund:
(1) Employees paid by the company: account balance × amount paid in August × months from retirement age.
(2) Voluntary deposit by employees: average daily account balance × average deposit in August × months from retirement age.
Where, average daily account balance = sum of daily account balances/deposit days.
That is, if the borrower is a female, 25 years old, and is currently paying the provident fund, the balance is 654.38 million yuan, and she pays 700 yuan every month, and her retirement age is 55 years old. The maximum loan is10000× 8700× 30×12 = 332,000.
It should be noted that the loan amount should not exceed the maximum loanable amount. The loan amount is not only related to the balance of each person's provident fund, but also related to the employee's monthly provident fund deposit (deposit base &; The deposit ratio is related to the total deposit period, so everyone must pay attention to the local provident fund loan policy when using housing provident fund loans. Different places have different calculation methods and policies, so you must follow the local policies!
4. If the balance of Yinchuan Provident Fund exceeds 1 10,000, can I borrow 200,000 yuan?
1, 10 times the theoretical balance, that is, 10w, and the loan ceiling is also determined by the monthly payment.
2. If your husband's book doesn't have your name and you don't have a loan, write your name on a new book, even the first set.
You can buy a new house with the new house as collateral. If there is no collateral, there is no place to lend you 30w.