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Who knows the calculation method of Guangzhou housing provident fund purchase?
Hello, the calculation of housing provident fund loan amount should be determined according to four conditions: repayment ability, percentage of house price, balance of housing provident fund account and maximum loan amount. The minimum value calculated according to the four conditions is the maximum loanable amount of the borrower. The calculation method is as follows:

① Loan amount calculated according to repayment ability

The calculation formula of employee's own loan amount is:

(The total monthly salary of the borrower+the monthly deposit amount of the housing provident fund of the borrower's unit) ××× repayment ability coefficient-the total monthly repayment amount of the borrower's existing loan ]×× loan period (month).

The calculation formula for the loan amount of both husband and wife is:

(Total monthly salary of husband and wife+monthly contribution of housing provident fund of work units of husband and wife) ××× 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%.

Total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio+individual contribution ratio).

② The loan amount calculated according to the house price.

The calculation formula is: loan amount = house price × loan ratio.

Purchase of commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sales of affordable housing or private housing.

Workers' families (including employees, spouses and minor children, the same below) purchase the first set of housing (including commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sales of affordable housing or private housing) with a loan amount not exceeding 80% of the purchased housing price. Among them, the housing price of private property housing is the lower value of the total purchase price and the housing evaluation price.

Workers' family loans to buy the second set and other self-owned houses that meet the purchase conditions of our city, and the loan amount shall not exceed 70% of the purchased house price. I hope I can help you.