Xuzhou local provident fund has been paid for 6 months, and the card is all 5000 yuan. At present, one person can borrow up to 500,000 yuan and two people can borrow up to 700,000 yuan. The loan period will be determined according to the age. What problems can be discussed in detail.

Second, how much can the provident fund of 654.38+0 million be loaned?

According to the loan amount calculated by the balance of the housing provident fund account, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when the employee applies for a loan (at the same time, using the spouse housing provident fund to apply for a provident fund loan is the sum of the balance of the employee's own and spouse's housing provident fund account), and if the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000;

According to the loan amount calculated by the maximum loan amount, if I use my housing provident fund to apply for housing provident fund loans, 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 housing provident fund loans, and if I pay the housing provident fund normally when applying for loans, 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.

Extended data:

Loan amount calculated according to repayment ability

The calculation formula is:

[(total monthly salary of the borrower, monthly contribution of the borrower's housing provident fund) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan term (month).

Depending on the number used by the spouse

[(total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan term (month).

Among them, the repayment ability coefficient is 40%.

Total monthly salary = monthly contribution of provident fund ÷ (proportion of unit contribution and proportion of individual contribution).

Loan amount calculated according to house price

The calculation formula is: loan amount = house price × loan ratio.