can
2. How to calculate the loan amount of Changchun Provident Fund?
The loanable amount of Changchun housing provident fund loan is calculated as:1; Loan amount calculated according to the borrower's repayment ability: [X repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]X loan term. When two or more lines are used, [X repayment ability coefficient-total monthly repayment amount of existing loans of both husband and wife ]X loan term. Among them, the repayment ability coefficient is 40%, and the total wages = the monthly contribution of the provident fund: 2. Loan amount calculated according to the borrower's house price: loan amount = house price x loan ratio. The loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage sets; 3. According to the loan amount calculated by the balance of the borrower's housing provident fund account, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than 10 times the balance of the employee's housing provident fund account when applying for a loan, and if the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000. 4. According to the loan amount calculated by the maximum loan amount, if employees apply for Changchun housing provident fund loans with their own housing provident fund, the maximum loan amount is 400,000 yuan; If my spouse applies for housing provident fund loans by using my housing provident fund, and I normally repay the housing provident fund when applying for loans, the maximum loan amount is 500,000 yuan; If the spouse's housing provident fund is used to apply for a housing provident fund loan, and I or my spouse normally deposit supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan. 2. Changchun provident fund loan amount 1. When Changchun employees apply for new commercial housing loans from Changchun Housing Provident Fund, the maximum amount of a single loan is 800,000 yuan; If there is no borrower, it is 500,000. 2. When employees in Changchun apply for housing provident fund loans in Changchun, the maximum amount of a single loan is 600,000 yuan; If there is no borrower, it is 400,000. .3. On the premise of not exceeding the maximum amount of a single loan, the applicable amount of individual housing loan of Changchun Housing Provident Fund is 15 times of the sum of the borrower and the borrower's personal account balance, but the monthly repayment amount shall not exceed 50% of the borrower's monthly salary income. Legal basis 1. Article 17 of the General Principles of Loans: When applying for a loan, the borrower shall meet the following basic conditions: the product has a market, the production and operation are profitable, the credit funds have not been misappropriated, and the credit is strictly observed. First, the borrower should be able to repay the principal and interest on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been made; 2. Except for natural persons and enterprise legal persons who do not need the approval and registration of the industrial and commercial departments, the Ministry of Commerce shall go through the annual inspection procedures. 3. Open a basic account or general deposit account; 4. The borrower's asset-liability ratio meets the requirements of the lender. 2. "Regulations on the Management of Housing Provident Fund" Article 26 Employees who have paid housing provident fund to purchase, build, renovate or overhaul their own houses may apply for housing provident fund loans from the housing provident fund management center.
3. What is the maximum loan amount of Changchun Provident Fund?
Changchun provident fund loan amount:
1: If an employee applies for housing provident fund and a new commodity housing loan from the same borrower, the maximum amount of a single loan is 800,000 yuan; No borrower, 500,000.
2 * * * borrowers apply for housing provident fund stock housing loans, the maximum amount of a single loan is 600,000 yuan; No borrower, 400,000.
3. The applicable amount of housing provident fund personal housing loan is 15 times of the sum of the borrower and the borrower's personal account balance, provided that it does not exceed the maximum amount of a single loan, but the monthly repayment amount shall not exceed 50% of the borrower's family's monthly salary income.
4. What is the maximum loan for Changchun housing provident fund loan?
Changchun housing provident fund loans can reach up to 600 thousand. More than 600,000 yuan shall be determined by the Central Loan Evaluation Committee.