Hangzhou provident fund loans, individuals can borrow up to 500 thousand. If both husband and wife meet the conditions for provident fund loans, they can borrow 1 10,000 yuan.

That is, the maximum loan per household is 6,543,800+0,000.

The loanable amount is calculated according to the average monthly balance of employees' housing provident fund accounts when applying for housing provident fund loans (the multiples of Hangzhou main city, Xiaoshan District, Yuhang District and Fuyang District are currently determined by 15 times).

The average balance refers to the average balance of the housing provident fund account at the end of the month when employees apply for loans (if the deposit time is less than 12 months, it shall be determined according to the actual number of months) (excluding one-time deposit for nearly 12 months). The calculation result of employee's personal loan amount is rounded to thousands. Less than 6.5438+0.5 million yuan, determined by 6.5438+0.5 million yuan, more than 500,000 yuan, determined by 500,000 yuan.

Of course, the specific loan amount should also be comprehensively determined according to the conditions, price, personal repayment ability and credit status of the houses purchased by employees.

1, the calculation formula of provident fund loan amount Hangzhou provident fund loan amount = multiple of the balance of provident fund account.

At present, the multiples of Hangzhou's main urban area, Xiaoshan District, Yuhang District and Fuyang District are currently determined by 15 times.

2. The maximum loan amount of Hangzhou Provident Fund: 500,000 for individuals and 654.38+00,000 for couples.

3. The total loan amount is not higher than 70% of the house price.

The lowest of the above three values is the actual loan amount. The calculation formula of Hangzhou provident fund loan amount is:

Employee personal loan amount = average monthly balance of employee housing provident fund account × multiple.

Description:

1, 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;

2. The multiples of Hangzhou main city, Xiaoshan District, Yuhang District and Fuyang District are currently determined by 15 times;

3. If the personal loan amount of employees is less than 6.5438+0.5 million yuan, it is determined to be 6.5438+0.5 million yuan; More than 500 thousand yuan, calculated at 500 thousand yuan. Hangzhou housing provident fund loan amount is

1, average monthly balance of provident fund account × multiple

2. The maximum personal loan is 500,000 yuan, and the maximum loan for husband and wife is 6,543.8+0,000 yuan.

3. The minimum loan is 6,543,800 yuan+0.5 million yuan.

That is to say, in the calculation formula, the loanable amount is 654.38+00,000 (500,000 people) higher than 654.38+05,000, and the loanable amount within this range is the calculation result. The calculation formula of Hangzhou provident fund loan amount is as follows

Loan amount = average monthly balance of employee housing provident fund account × multiple

Among them, the multiples of Hangzhou main city, Xiaoshan District, Yuhang District and Fuyang District are currently determined by 15 times.

The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!

2. How to calculate the loan amount of provident fund, and what is the maximum loan amount (Hangzhou, Zhejiang)?

65,438+0. The maximum amount of housing provident fund loan is 1 10,000 yuan, of which the amount of single loan granted to employees does not exceed 500,000 yuan.

2. The employee personal loan amount is calculated and determined according to a certain multiple of the monthly average balance of the housing provident fund account, and the calculation formula is: employee personal loan amount = monthly average balance of the employee housing provident fund account × multiple, in which: the monthly average balance of the employee housing provident fund account is the monthly average balance of the employee housing provident fund account for nearly 12 months when applying for a loan (excluding one-time payment for nearly 12 months), and it is insufficient/kloc-. At present, the multiple is determined by 15 times. In the future, Hangzhou Housing Provident Fund Management Center will make adjustments according to the housing price level, housing provident fund deposit level and fund scale of our city, and report to Hangzhou Housing Provident Fund Management Committee for filing before implementation. If the employee's personal loan amount is less than 6.5438+0.5 million yuan, it will be determined by 6.5438+0.5 million yuan.

3. At the same time, the specific loanable amount is comprehensively determined according to the purchase conditions and prices of employees, personal repayment ability and credit status.

4, the employee housing provident fund loan amount is insufficient, you can apply for a portfolio loan. The term, guarantee method and repayment method of commercial loans in portfolio loans should be consistent with housing provident fund loans.

3. How to calculate the housing accumulation fund in Hangzhou now? How much can I borrow?

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 of provident fund loan amount is as follows: 1. The calculation formula of the loan amount calculated according to the repayment ability is: [(total monthly salary of the borrower, monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month). 2. Amount used by spouse: [(total monthly salary of husband and wife, monthly contribution of housing accumulation fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan period (month). Among them, the repayment ability coefficient is 40% of the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution). 3. Loan amount calculated according to house price: the calculation formula is: loan amount = house price × loan ratio. 4. Loan amount calculated according to the maximum loan amount: 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. (The specific maximum amount varies from place to place. It is recommended to consult the local housing provident fund management center. It is determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, among which the minimum value calculated by four conditions is the maximum loanable amount of the lender. Loan amount: 1. The maximum loan amount of housing provident fund is 1 10,000 yuan, of which the paid employee loan amount does not exceed 500,000 yuan. 2. The employee personal loan amount is calculated and determined according to a certain multiple of the monthly average balance of the housing provident fund account, and the calculation formula is: employee personal loan amount = monthly average balance of the employee housing provident fund account × multiple, in which: the monthly average balance of the employee housing provident fund account is the monthly average balance of the employee housing provident fund account for nearly 12 months when applying for a loan (excluding one-time payment for nearly 12 months), and it is insufficient/kloc-. At present, the multiple is determined by 15 times. In the future, Hangzhou Housing Provident Fund Management Center will make adjustments according to the housing price level, housing provident fund deposit level and fund scale of our city, and report to Hangzhou Housing Provident Fund Management Committee for filing before implementation. If the employee's personal loan amount is less than 6.5438+0.5 million yuan, it will be determined by 6.5438+0.5 million yuan. 3. At the same time, the specific loanable amount is comprehensively determined according to the purchase conditions and prices of employees, personal repayment ability and credit status. 4, the employee housing provident fund loan amount is insufficient, you can apply for a portfolio loan. The term, guarantee method and repayment method of commercial loans in portfolio loans should be consistent with housing provident fund loans. The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!

4. How long can Hangzhou Housing Provident Fund borrow to buy a house? How to calculate the loan amount?

Hello, if you need to handle provident fund loan business through our bank, please know the following information first. Whether you can apply at the counter depends on the audit results of the loan audit department:

Loan currency and loanable amount:

The loanable amount of the provident fund loan is 12 times of the balance of the applicant and the applicant's housing provident fund account, and meets the following requirements:

1. The monthly repayment amount (the principal and interest calculated by the equal principal and interest repayment method) shall not exceed 50% of the deposit base of the applicant's housing provident fund. If there are * * * applicants and * * * applicants who have paid housing provident fund in this city, the deposit base of housing provident fund is the sum of the deposit base of themselves and * * * applicants (parents can be * * * applicants).

2. Not higher than the difference between the total purchase price and the down payment. If the purchased house is a stock commercial house (second-hand house), the applicant shall entrust a real estate appraisal institution recognized by the Provident Fund Center to conduct a value appraisal, and take the low value of the contract price and the appraisal price as the total purchase price. The assessment fee shall be borne by the applicant.

If the area of the first suite purchased by employees is less than 90 square meters (including 90 square meters), the down payment ratio shall not be less than 20% of the total purchase price; For the first house with an area of more than 90 square meters, the down payment ratio shall not be less than 30% of the total purchase price, and the down payment ratio for the second house shall not be less than 60% of the total purchase price. You can't apply for a provident fund loan to buy a third house. (The loans of portfolio lenders are handled according to the policies of commercial banks)

3. Not higher than the maximum amount of a single housing provident fund loan. For individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan. If the applicant and * * * jointly apply with the applicant and * * * participate in the calculation of the quota, the maximum amount of a single housing provident fund loan is 900,000 yuan (if the applicant's spouse has not paid the provident fund or has paid the provident fund continuously for less than 6 months and can only be regarded as the same as the applicant, the maximum amount of the loan is 500,000 yuan).

4. If the applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the provident fund loan, the loanable amount of the housing provident fund loan calculated according to the balance multiple of the housing provident fund account may be increased by 10%, but other conditions specified in the preceding paragraph shall be met (approved by the center).

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