The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower. The calculation method is as follows:
1, according to repayment ability
The calculation formula is: the loan amount of provident fund.
{(total monthly salary of the borrower+monthly contribution of the housing provident fund of the borrower) ×× repayment ability coefficient-total monthly repayment of the borrower's existing loan }× loan term (month).
Use spouse quota:
{(total monthly salary of both husband and wife+monthly contribution of housing provident fund of both husband and wife's work units) × repayment ability coefficient-total monthly repayment amount of existing loans of both husband and wife }× loan period (month).
Among them, the repayment ability coefficient is 40%.
Total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio+individual contribution ratio).
2. 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 loans:
A 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) who purchase the first set of housing (including commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sale of affordable housing or private property housing) with a construction area of less than 90 square meters (including 90 square meters) shall pay a down payment of not less than 20% of the purchased housing price, and the loan amount shall not be higher than 80% of the purchased housing price; If the construction area of the purchased house exceeds 90 square meters, a down payment of not less than 30% of the purchased house price shall be paid, and the loan amount shall not be higher than 70% of the purchased house price.
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.
When purchasing private housing, if the housing price is inconsistent with the assessed price, the lower of the two shall be the approved limit.
The purchase of targeted resettlement affordable housing, the loan amount should not be higher than the difference between the total price of the purchased housing and the amount of housing compensation.
The purchase of existing public housing, the loan amount shall not exceed 70% of the purchase price of housing; For the construction, renovation and overhaul of self-owned housing, the loan amount shall not exceed 70% of the cost of housing construction and repair.
3. According to the account balance
When employees apply for housing provident fund loans, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when employees apply for loans (if the spouse housing provident fund is used to apply for housing provident fund loans at the same time, it is the sum of the balance of the employee's and spouse's housing provident fund accounts). If the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000.
4. According to the maximum limit
If I use my housing provident fund to apply for a housing provident fund loan, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan.
I use my housing provident fund to apply for a housing provident fund loan, and if I normally repay the housing provident fund when applying for a loan, the maximum loan amount 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 the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.
When applying for a loan, employees or their spouses pay housing subsidies normally on a monthly basis, with reference to the provisions on normal payment of supplementary housing provident fund.
The calculated loan amount is reserved to thousand, and the number below thousand is not zero plus one.
When employees apply for housing provident fund loans, the loan amount shall be calculated according to the deposit period and amount of employee housing provident fund, but the maximum amount shall not exceed 500,000 yuan. The calculation formula is: loanable amount = (monthly deposit amount of housing provident fund × 12× future deposit period+personal account balance of housing provident fund) × 2; If the loanable amount is less than 200,000 yuan, the maximum loan amount of housing provident fund shall be approved by 200,000 yuan. If an employee applies for a loan when buying a house for the first time, the amount can be increased by 20% on the basis of this calculation.