According to the corresponding provident fund loan policy of Dachang, the higher loan amount of the provident fund loan of Dachang is 600,000 yuan, which does not exceed 80% of the total purchase price. The specific loan amount is comprehensively determined according to the borrower's repayment ability and loan life.
Factors affecting the amount of provident fund loans 1, provident fund loan policy
There is a maximum amount limit for housing provident fund loans, and the amount of housing provident fund loans in different cities and regions is different. Individual applications and family applications for housing provident fund loans can get different quotas. There are also differences in the amount of provident fund loans that can be obtained by purchasing the first suite and the second-hand house.
2. Down payment ratio
Usually in a place to buy a house, the down payment ratio that buyers need to pay is different, but it is definitely greater than the local minimum down payment ratio. Each region has different requirements for the down payment ratio. Usually, the down payment ratio of the first suite will be between 20-30%, and the second suite is usually above 30%. The down payment requirement can also directly affect the amount of mortgage loans.
3, provident fund deposit status
Buying a house with a personal provident fund loan depends on the current status of the purchaser's provident fund account, including the deposit time and deposit base of the provident fund. The loan amount of housing provident fund in some cities is calculated according to the loan amount = the balance of provident fund deposit of the borrower (or husband and wife) x a certain multiple x the time coefficient of deposit. Some cities stipulate that the total monthly mortgage principal and interest should be less than or equal to 50% of the deposit base (calculated by equal principal and interest).
4. Provident Fund account balance
Some friends still don't know how to calculate the amount of provident fund loans. The calculation of the loan amount of provident fund is directly related to the balance in the provident fund account. As can be seen from the formula for calculating the amount of provident fund, the loan amount of provident fund is usually calculated by multiplying the balance of provident fund account by a certain multiple. Therefore, the balance of the provident fund account is directly proportional to the amount of the provident fund loan.
5. Appraisal value of real estate
If you use provident fund loans to buy second-hand houses, the amount of provident fund loans has a great relationship with the evaluation value of second-hand houses. When buying a new house, many developers do not like provident fund loans. Compared with new houses, second-hand house buyers can freely choose to use provident fund loans. However, the amount of provident fund loans is also related to the housing evaluation price, and usually only about 70% of the housing evaluation price can be obtained; Second-hand housing can get a lower amount.