Q: How to calculate the loan amount of Xingtai Provident Fund?

A: There are four restrictions on the amount of provident fund loans. After calculation, the loan amount of housing provident fund is the lowest among the following four items.

1. The maximum loan amount for dual employees who normally pay the housing provident fund shall not exceed 600,000 yuan, and that for single employees shall not exceed 400,000 yuan. The loan amount is a multiple of 5000 yuan.

2. The loan amount is determined according to the repayment ability and credit status.

Borrower's loan amount = sum of deposit bases of husband and wife × individual repayment ability coefficient × loan term × credit coefficient.

Among them, the personal repayment ability coefficient is 0.5, and the credit coefficient is 1.

The monthly repayment amount of the borrower's provident fund loan shall not exceed 50% of the sum of the monthly deposit bases of the borrower and his spouse's provident fund, and the repayment method of the equal principal shall be calculated according to the first month's repayment amount.

The borrower's husband and wife have commercial loans, guarantees or other liabilities and other factors that affect their repayment ability. Housing provident fund management institutions shall, according to the actual situation, appropriately reduce the loan amount.

3. The loan amount shall not exceed 20 times the current balance of the borrower's and spouse's provident fund account.

4. The loan amount is determined according to a certain proportion of the total house price, the guarantee method and the remaining house price. Among them, the minimum down payment ratio of the first suite is 30%, and the second suite is 60%.