1. 1 Calculation method of provident fund loan amount
The amount of provident fund loan is calculated according to the applicant's family income, the number of years of provident fund deposit, the amount of provident fund deposit and other factors. Generally speaking, the amount of provident fund loans is three times of the applicant's family income, but there are some special circumstances, such as applicants with longer deposit period and higher deposit amount, who can get a higher amount.
Specifically, the calculation method of the provident fund loan amount is as follows:
1. 1. 1 family income
Family income is an important factor in calculating the amount of provident fund loans. Generally speaking, the higher the family income, the higher the loan amount.
1. 1.2 Deposit period of provident fund
The deposit period of provident fund is also an important factor in calculating the loan amount of provident fund. Generally speaking, the longer the deposit term, the higher the loan amount.
1. 1.3 contribution of provident fund
The deposit amount of provident fund is also an important factor in calculating the loan amount of provident fund. Generally speaking, the higher the deposit amount, the higher the loan amount.
1.2 calculation example of provident fund loan amount
Below, let's give an example to illustrate how to calculate the amount of provident fund loans.
Assuming that the applicant's family income is 1 10,000 yuan/month, the provident fund deposit period is 5 years, and the provident fund deposit amount is 30,000 yuan, then the applicant's provident fund loan amount is:
10000 yuan/month x 3 times +5 years x1000 yuan/year +30000 yuan = 50000 yuan.
The above are the calculation methods and examples of the amount of provident fund loans, hoping to help everyone. Before applying for a provident fund loan, you must first know your own loan amount, so as to better grasp the scale of the loan. In addition, when applying for provident fund loans, we should also pay attention to the loan interest rate, repayment period and other factors in order to better control the loan cost.