Answer the landlord: the personal monthly deposit of housing provident fund described in the calculator actually refers to the monthly deposit of housing provident fund under your name. At present, employees pay provident fund, and individuals and companies pay 1: 1, so it is actually the total amount actually paid by you and the company every month. I hope it helps you.
How to calculate the housing provident fund loan?
Loan calculation
/kloc-The personal loan interest rate of housing provident fund for 0/-5 years is 2.75%, and the loan interest rate for 6-25 years is 3.25%.
The loan interest rate of the second house is 1. 1 times that of the first house.
Let me introduce you to the process of applying for provident fund loans.
I. Application conditions
The loan applicant shall meet the following conditions:
Have a legal and valid identity
Have full capacity for civil conduct.
Have a stable occupation and income, good credit status, and the ability to repay the principal and interest of the loan.
Purchase, construction, renovation and overhaul of owner-occupied housing
With the purchase, construction, renovation and overhaul of owner-occupied housing contracts or related certification materials.
The housing provident fund that meets the deposit conditions is used for the loan designated by the client.
Provide customer-approved guarantee.
Neither husband nor wife of the borrower has outstanding housing provident fund loans or housing provident fund policy discount loans.
Meet other conditions stipulated by the client.
Housing provident fund deposit shall meet one of the following three conditions
In principle, loan applicants who purchase policy-oriented housing should set up a housing provident fund account for more than 12 months (inclusive), and pay the housing provident fund in full for 6 months before applying for a loan, and they are in the state of deposit when applying for a loan.
In principle, the borrower who purchases non-policy housing should pay the housing accumulation fund 12 months in full before applying for a loan, and be in the state of deposit when applying for a loan.
The loan applicant is a retired employee who pays the housing provident fund during his working period.
Second, the treatment process
Step 1: Preliminary inspection
The loan handling department accepts your application for provident fund loan, reviews the application materials and loan qualifications, and initially determines your loan amount, term and other information.
Step 2: Interview
After you get the approval of the loan handling department, you need to go through the loan signing and related procedures at the time and place notified by telephone.
Third, processing time.
Monday to Friday from 9: 00 pm to 5: 00 pm (except statutory holidays)
Fourth, the processing time limit.
The loan time varies according to the nature of the house, the guarantee method and whether it is a portfolio loan.
The above information comes from: loan application
Housing accumulation fund loan amount calculator
Average capital refers to a loan repayment method in which the total loan amount is divided into equal parts during the repayment period, and the same amount of principal and interest generated by the remaining loans in the current month are repaid every month. Because the monthly repayment amount is fixed and the interest is less and less, the lender is faced with greater repayment pressure at first, but as time goes by, the monthly repayment amount is less and less. [ 1]
Calculation formula of average capital loan:
Monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate.
Average capital method
Matching principal and interest refers to a repayment method of housing loans, that is, repaying the same amount of loans (including principal and interest) every month during the repayment period.
The calculation formula of monthly repayment amount is as follows:
[loan principal × monthly interest rate ×( 1 monthly interest rate) repayment months] = [(1monthly interest rate) repayment months]
Free repayment method
Free repayment means that when you apply for a housing provident fund loan, the housing provident fund management center will provide you with the minimum repayment amount according to the loan amount and term. In the future, on the premise that the monthly repayment amount is not lower than this minimum repayment amount, you can freely arrange the repayment method of the monthly repayment amount according to your own economic situation.
The benchmark interest rate is generally implemented for the first-home provident fund loan, and the benchmark interest rate for the second-home provident fund loan rises by 10%. The following is the latest benchmark interest rate for provident fund loans (implemented after 20 15-3- 1):
Annual interest rate for 5 years and below: 3.5%
Annual interest rate of loans with a term of more than 5 years: 4.0%
On-line calculation of provident fund loan calculator
The loan amount of housing provident fund can only be determined through comprehensive calculation.
The calculation of the loan amount of provident fund should be determined according to four conditions: repayment ability, the proportion of housing price, the balance of housing provident fund account and the 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:
According to the repayment ability calculation formula, {(the total monthly salary of the borrower and the monthly contribution of the borrower's unit housing provident fund) × repayment ability coefficient-the total monthly repayment of the borrower's existing loan }× loan period (month), {(the total monthly salary of both husband and wife and the monthly contribution of their respective units housing provident fund )× repayment ability coefficient-the total monthly repayment of both husband and wife's existing loans }× loan period (month). Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution);
According to the calculation formula of house price, loan amount = house price × loan ratio, in which the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans;
According to the account balance, 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 (if the spouse housing provident fund is used to apply for a housing provident fund loan at the same time, it shall be 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 maximum amount, the maximum loan amount for me to apply for housing provident fund loans with my own housing provident fund is 400,000 yuan, the maximum loan amount for me to apply for housing provident fund loans with my spouse's housing provident fund is 600,000 yuan, the maximum loan amount for me to apply for housing provident fund loans with my spouse's housing provident fund is 500,000 yuan, and the maximum loan amount for my spouse or his spouse to pay supplementary housing provident fund loans normally is 700,000 yuan.
Provident fund loan amount calculator
Provident fund loan calculator is a tool to calculate the monthly repayment amount after using provident fund loans. One-time repayment of principal and interest will be paid off together with the principal. Matching principal and interest repayment requires fixed monthly repayment. Equal principal and interest is equivalent to equal principal and interest. Matching principal repayment is to share the principal equally every month and pay off the interest from the previous trading day to the repayment date.
Legal basis: Article 32 of the General Principles of Loans.
The borrower shall repay the loan principal and interest in full and on time in accordance with the loan contract. The lender shall send a notice of repayment of principal and interest to the borrower before the short-term loan expires 1 week and the medium-and long-term loan expires 1 month; The borrower shall prepare funds in time and repay the principal and interest on schedule. The Lender shall promptly issue the overdue loan collection notice and do a good job in the collection of overdue loan principal and interest. Lenders charge interest on loans that cannot be repaid within the time limit stipulated in the loan contract; If the principal and interest cannot be repaid or cannot be executed, it shall be urged or executed according to law. The borrower shall negotiate with the lender when repaying the loan in advance.