The calculation formula is:

[(total monthly salary of the borrower+monthly housing accumulation fund contribution of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan term (month).

2. Use according to spouse's quota

[(the total monthly salary of both husband and wife+the monthly housing provident fund contribution of both husband and wife's work units) × repayment ability coefficient-the total monthly repayment amount of existing loans of both husband and wife ]× loan period (month).

The repayment ability coefficient is 40%.

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

3. Calculate the loan amount according to the house price.

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

4. The loan amount calculated according to the loan ceiling.

Apply for housing provident fund loans with self-owned housing provident fund, with a maximum loan amount of 400,000 yuan; Spouse housing provident fund is also used to apply for housing provident fund loans, and the maximum loan amount is 600,000 yuan. I use my housing provident fund to apply for housing provident fund loans, and generally pay supplementary housing provident fund when applying for loans. The maximum loan limit is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and I or my spouse normally deposit supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.

1, personal loan line

The personal loan amount of employees is calculated and determined by a certain multiple of the monthly average balance of the housing provident fund account (at present, the multiple of Hangzhou main city, Xiaoshan District, Yuhang District and Fuyang District is determined by 15 times).

2. Average monthly balance of the account

The average monthly balance of the employee housing provident fund account is the average monthly balance of the employee housing provident fund account for nearly 12 months (excluding the month of application) (excluding the one-time payment for nearly 12 months), and the shortage of 12 months is calculated according to the actual number of months.

3. Maximum loanable amount

The maximum amount of housing provident fund loans is 6,543,800 yuan, of which the amount of individual loans paid to employees does not exceed 500,000 yuan. The calculation result of personal loanable line is rounded to thousands, the amount below 6,543.8+0.5 million yuan is determined to be 6,543.8+0.5 million yuan, and the amount above 500,000 yuan is determined to be 500,000 yuan.

4. Specific approved quotas

The specific approved loan amount is determined according to the national individual housing loan policy and the relevant provisions of provident fund loans, and after comprehensively analyzing the conditions, prices, family credit status, repayment ability and other factors of the housing purchased by the borrower.