1, [(total monthly salary of the borrower+monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment of the borrower's existing loan ]× loan period (month).
2. Where the spouse quota is used:
[(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%.
3. Total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio+individual contribution ratio) Loan amount calculated according to repayment ability.
4. Employees' families (including employees)
If an employee buys a second house with a family loan, the down payment shall not be less than 50% of the house price, and the loan amount shall not be higher than 50% of the house price.
Workers' family loans to buy third and above houses will suspend the issuance of personal housing provident fund loans.
5. The loan amount calculated according to the house price
The calculation formula is: loan amount = house price × loan ratio.
Among them, the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage sets?
Extended data:
Personal housing commercial loan: it is a kind of loan that China citizens apply to the bank to buy commercial housing, and it is a self-operated loan issued by the bank with its credit funds.
Specifically, a natural person with full capacity for civil conduct applies to the bank for a commercial housing loan as a loan repayment guarantee when purchasing a self-occupied house in a town in this city, with the purchased property housing (or other guarantee methods recognized by the bank) as collateral.
Mortgage loan is a kind of commercial loan.
Housing provident fund loans: refers to the housing mortgage loans entrusted by local housing provident fund management centers by commercial banks to employees who have paid housing provident fund and retired employees who have paid housing provident fund during their employment.
Compared with commercial housing loans, housing provident fund loans have the advantages of lower interest rate, flexible repayment method and low down payment ratio, but the disadvantages are cumbersome procedures and long approval time.
Percentage of commercial loans:
1. The maximum loan ratio for second-hand houses is 70% of the low value between the total purchase price and the appraised house price. The loan amount varies according to different banks, subject to the requirements of the lending bank.
2、? The longest loan period is 30 years, and the borrower is no more than 65 years old for men and 60 years old for women.
3、? The loan interest rate shall be subject to the provisions of the People's Bank of China on the loan interest rate. See personal housing commercial loan interest rate table.
Housing provident fund loan amount:
1. Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 400,000 yuan; The maximum amount of individual housing provident fund loans in Guangzhou is 500,000 yuan.
2. The maximum loan amount of housing provident fund shall not exceed 70% of the total purchase price.
3. If the deposit ratio of husband and wife is inconsistent, the actual deposit ratio shall be determined by the party with higher proportion.
4. Not higher than the loan limit determined according to the repayment ability of the loan applicant and spouse.
Reference knowledge source: Baidu Encyclopedia-Mortgage