Provident fund loans have two ways:
1, the loan amount of the park provident fund = the deposit base of housing provident fund 65438+ 35% of the loan period of 02 months (the longest loan period shall not exceed the time when the borrower reaches the statutory retirement age, and the longest loan amount shall not exceed 700,000).
2. Loan amount of provident fund = balance of provident fund 10 (but the loan amount in the name of individuals does not exceed 450,000, and the loan amount in the name of families does not exceed 700,000).
Note: Suzhou Park: The construction area of new houses is less than 90 square meters and less than 165438+ ten thousand, with 20% down payment and 80% loan.
Now the interest rate of provident fund loans is 3.25%.
If the balance of the provident fund is less than 1 10,000 yuan, it shall be calculated as 1 10,000 yuan.
Calculation of the amount of provident fund loans
Apply for individual housing provident fund loan in China Bank, with the loan amount as follows:
1. Purchase the first house: the maximum amount of personal loan is 500,000 yuan, and the maximum amount of family loan is 1 10,000 yuan; If the supplementary provident fund is paid, the maximum personal loan amount is 600,000 yuan, and the maximum family loan amount is 654.38+0.2 million yuan.
2. Purchase of an improved second apartment: starting from 20165438+1October 29th, the maximum loan amount is 800,000 yuan (400,000 yuan per person), and the maximum loan amount for families who supplement the provident fund is 6,543,800 yuan (500,000 yuan per person).
Note: If the online signing date of the borrower's house purchase contract is before 2065438+2006128 October (inclusive), the original policy shall prevail.
The above contents are for your reference. Please refer to the actual business regulations.
How to calculate the provident fund loan
Legal analysis: 1. The calculation formula of provident fund loan based on repayment ability is: loan amount (total monthly salary of the borrower or husband and wife, monthly deposit of housing provident fund in the unit where the borrower or husband and wife work) × repayment ability coefficient 40%- monthly repayment amount of existing loans of the borrower or husband and wife ]× 12 (month )× loan period.
2. The calculation formula of provident fund loan based on house price is: loan amount, house price × loan ratio. The loan ratio is determined according to different types.
Legal basis: Article 12 of the Regulations on the Management of Housing Provident Fund, the Housing Provident Fund Management Committee shall, in accordance with the relevant provisions of the People's Bank of China, designate commercial banks entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted banks); The housing provident fund management center shall entrust the entrusted bank to handle financial services such as housing provident fund loans and settlement, as well as the establishment, deposit and return procedures of housing provident fund accounts.
The housing provident fund management center shall sign an entrustment contract with the entrusted bank.
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How to calculate the provident fund mortgage
The calculation methods of housing provident fund loans include average capital repayment method, that is, monthly repayment amount = loan principal/repayment months (principal-accumulated amount of repaid principal) × monthly interest rate, equal principal and interest repayment method and free repayment method. The specific way shall be agreed by the parties in the loan contract.
legal ground
Article 26 of the Regulations on the Management of Housing Provident Fund
Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
Article 27
Applicants who apply for housing provident fund loans shall provide guarantees.
Article 668 of the Civil Code
The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.
Article six hundred and eighty
It is forbidden to lend at high interest rate, and the lending rate shall not violate the relevant provisions of the state.
skill
The above answer is only for the current information combined with my understanding of the law, please refer carefully!
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