The calculation formula of Nanchang provident fund loan amount: loan amount = (borrower's provident fund account balance * * * and borrower's provident fund account balance) 20 times deposit time coefficient and remaining deposit years coefficient.
Second, the calculation method of provident fund loan amount
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. According to the amount used by the spouse [(the total monthly salary of both husband and wife, the monthly contribution of housing provident fund of both husband and wife's work units) × repayment ability coefficient-the total monthly repayment amount of existing loans of both 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. The formula for calculating the loan amount according to the house price is: loan amount = house price × loan ratio. 4. The loan amount is calculated according to 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 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.
3. How to calculate the loan amount of 202 1 provident fund?
202 1 year provident fund loan amount algorithm: 1, according to the house price and the lender's comprehensive qualification, this method is similar to the calculation of the bank's commercial loan amount, mainly combining the house price ratio and the lender's personal qualification. 2. According to the balance of the account, the buyer can purchase price-limited commercial housing or affordable housing and the first suite, and the loan amount cannot exceed 20 times of the current provident fund balance. If the account balance is less than 20,000 yuan, it shall be calculated as 20,000 yuan. If you buy a second apartment or an existing house, the loan amount cannot exceed 10 times the balance of the provident fund account. 1. According to the latest provident fund loan policy of 202 1, the amount of provident fund loans that buyers can apply for in 20021has not changed much compared with previous years. Or apply for a loan amount according to personal qualifications and the proportion of contributions to the provident fund. According to the new regulations, buyers who want to apply for provident fund loans need good credit, stable family income and stable repayment ability. Property buyers need to pay the housing provident fund continuously and normally for more than half a year (the time stipulated in different regions is different, so you can consult the local provident fund management center yourself). The current status of personal accounts of property buyers' provident fund needs to be normal. If you stop paying the provident fund for more than two months, you need to check the standard according to the requirements of the management center and continue to pay it normally for more than half a year (the time stipulated in different regions is different, you can consult the local provident fund management center yourself). Two, the provident fund loan amount refers to the maximum loan amount that individuals can apply for when using provident fund loans. Only employees who have permanent residence in local cities and towns, have established the housing provident fund system for more than 6 months, and have paid the housing provident fund according to regulations can enjoy the provident fund loan when the funds for purchasing or building houses or renovating or overhauling their own houses are insufficient. 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.