The average monthly account balance of 500,000 personal loans is at least 33,300.

The loanable amount is 15 times of the average monthly balance of the provident fund account.

If Zhang normally paid the housing provident fund for many years in a row, he applied for a provident fund loan in June 20 15. At that time, the balance of his housing provident fund account was 28,500 yuan, and the monthly deposit amount was nearly 12 months in 830 yuan, and no withdrawal occurred.

Then, the account balance ranges from1October 20 15 to February 2019,370,20200,21030 ... 28,500 yuan respectively. Average monthly balance of account = (19370+20200 ...+28500)/12 = 23935 yuan. Zhang's final loanable amount is 23935* 15=359025 yuan.

In other words, if you want to get a personal loan of up to 500,000 yuan, the average monthly account balance should reach at least 33,300 yuan (500,000 yuan/15). (Note: The maximum loan amount of a family is 654.38+0 million yuan)

It should be noted that if the calculation result is higher than 500,000 yuan, it is determined to be 500,000 yuan; If it is less than 6.5438+0.5 million yuan, it is determined to be 6.5438+0.5 million yuan; If the deposit time is less than 12 months, it shall be determined according to the actual number of months.

If the balance is insufficient, try not to withdraw the provident fund now.

In the past, the loan amount was determined by the deposit amount. Monthly deposit 148 (inclusive) -530 yuan, maximum loan150,000 yuan; The monthly deposit is 530 yuan (inclusive)-1274 yuan, and the maximum loan is 300,000 yuan; The monthly deposit is higher than 1274 yuan (inclusive), and the maximum loan is 500,000 yuan.

According to the calculation method of the New Deal, the importance of the balance of the provident fund account is self-evident. In other words, individuals who paid less last month but had more balance will become the most direct beneficiaries; Those who already have provident fund loans or monthly withdrawals (insufficient balance) will be greatly affected if they apply for loans in the short term.

Industry insiders suggest that for buyers with temporarily insufficient balance, they can choose not to withdraw provident fund as much as possible to increase the loan amount; Those who have plans to buy a house in the near future, but the balance is insufficient but the deposit amount is sufficient, should apply for provident fund loans as soon as possible.

The staff of Hangzhou Housing Provident Fund Center told us that the specific rules for the convergence of the old and new policies have not yet been issued, and whether the implementation of the old policies is based on applying to the bank or submitting materials to the Provident Fund Center by the bank has not yet been determined. "But what is certain is that the New Deal will definitely implement 5438+0 1 in June. I intend to apply for a provident fund loan this month. The only principle is as soon as possible. "

I hope I can help you, and I hope to adopt it!