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1.20 15 The central bank lowered the benchmark loan interest rate. The following is to introduce the calculation method of provident fund loans for everyone. The calculation of provident fund loan should be 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 the four conditions is the maximum loanable amount of the lender.
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 of 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. The total monthly salary = the monthly contribution of the provident fund/(unit contribution ratio+individual contribution ratio);
2. The calculation formula of provident fund loan based on house price is: loan amount = house price × loan ratio. Among them, the loan proportion is determined according to different types. Generally speaking, if the building area is more than 90 square meters, the loan amount shall not exceed 70% of the purchase price; If the construction area is less than 90 square meters, the loan amount shall not exceed 80% of the purchase price.
3. According to the maximum loan amount, if I use the housing provident fund to apply for a loan provident fund loan and meet the application conditions, 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 loan and the loan application conditions are met, the maximum loan amount is 700,000 yuan.
4. The calculation formula of the provident fund loan based on the balance of the provident fund account is: the amount of the provident fund loan = the borrower and the borrower's provident fund account balance ×20. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.
The definition of housing provident fund includes the following five aspects:
(1) The housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas.
(2) Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.
(3) The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit.