Step 1: Calculate the loan amount of provident fund. The interest rate of provident fund loans is much lower than that of commercial loans, so buyers hope to get a higher amount of provident fund loans. Step 2: Calculate the commercial loan amount. For the commercial loan amount, the local standards are relatively uniform, that is, the commercial loan amount =n (whichever is lower) loan ratio-provident fund loan amount.
Calculation of combined loan of provident fund commercial loan
Step 1: Calculate the loan amount of provident fund. The interest rate of provident fund loans is much lower than that of commercial loans, so buyers hope to get a higher amount of provident fund loans.
At present, the calculation method of the loan amount of provident fund in different places is not uniform. Take Shanghai as an example, its loan amount is 30 times the balance of the provident fund account.
The calculation formula in Beijing is more complicated. Firstly, calculate the monthly income of myself and the applicant: monthly income = monthly contribution of individual housing provident fund ÷ contribution ratio of housing provident fund; Then calculate the maximum loanable amount: the maximum loanable amount is the amount left after deducting the living expenses of at least 400 yuan from the monthly income of the family and dividing it by the monthly repayment amount of every 10,000 yuan of loan within the loan application period. What needs to be clear is that if the calculated maximum loan amount exceeds the upper limit of provident fund loans, the upper limit shall prevail.
Step 2: Calculate the commercial loan amount. For the commercial loan amount, the local standards are relatively uniform, that is, the commercial loan amount =n (whichever is lower) loan ratio-provident fund loan amount.
What is a provident fund portfolio loan?
Portfolio loan refers to a borrower who meets the conditions of personal housing commercial loan. While handling personal housing commercial loan, he can also apply for personal housing provident fund loan. The borrower can use the purchased urban self-occupied housing (or other guarantee methods recognized by the bank) as collateral and apply for personal housing provident fund loan and personal housing commercial loan from the bank at the same time.
That is, provident fund loans and commercial loans are used at the same time, generally only when personal loans exceed the local maximum amount of provident fund loans.
Buying a high-end house requires a loan of 500,000 yuan, while the local provident fund management center stipulates that the maximum loan for the provident fund is 400,000 yuan. In this case, the remaining 654.38 million yuan is used for commercial loans, and the interest cannot enjoy the interest of provident fund loans.
Portfolio loan is a loan issued by the housing fund management department to the same borrower by using policy housing funds and commercial banks by using credit funds. It is the general name of policy loan and commercial loan portfolio. When individuals can't pay the purchase price through provident fund loans, they can apply for portfolio loans from the handling bank entrusted with provident fund loans.
How to calculate the personal housing portfolio loan amount when buying a house?
The calculation method of individual housing portfolio loan is actually not complicated, and many property buyers are not particularly clear. This article is about how to calculate the specific personal housing portfolio loan amount, and popularize it for everyone.
The calculation method of individual housing portfolio loan is actually not complicated, and many property buyers are not particularly clear. This article is about how to calculate the specific personal housing portfolio loan amount, and popularize it for everyone.
The calculation of housing provident fund loan amount should be determined according to four conditions: repayment ability, multiple of provident fund balance, house price and maximum amount, and the minimum value calculated by the four conditions is the borrower's maximum loanable amount. The calculation method is as follows:
1. Calculate the loan amount of housing provident fund according to the repayment ability.
The calculation formula is:
Loan amount = [total monthly salary of the borrower × (repayment ability coefficient of the borrower's unit housing provident fund deposit ratio) total monthly salary of the borrower's spouse × (repayment ability coefficient of the borrower's spouse's unit housing provident fund deposit ratio) ]× 12 (month )× loan period.
Among them, the borrower's total salary = monthly repayment amount ÷ (unit contribution ratio and individual contribution ratio). The repayment ability coefficient is determined according to different loan terms, which is 35% within ten years (including ten years), 40% within ten to twenty years (including twenty years) and 45% within twenty to thirty years.
2. Calculate the loan amount of housing provident fund according to the housing price.
The calculation formula is: loan amount = house price × loan ratio.
Among them, the loan ratio is determined according to the different types of houses purchased, built and repaired. For the purchase of commercial housing, affordable housing, private housing or other houses that have obtained the Property Ownership Certificate, the loan amount shall not exceed 80% of the purchase price (the appraised value of the house); For the purchase of dilapidated houses, fund-raising housing, cooperative housing, public existing houses, construction, renovation and overhaul of self-owned houses, the loan amount shall not exceed 70% of the purchase price (housing appraisal value) or the cost of housing construction, renovation and overhaul.
3. Calculate the loan amount of housing provident fund according to the multiple of the deposit balance of housing provident fund.
The loan amount is determined according to 15 times of the total balance of the housing accumulation fund, supplementary housing accumulation fund or monthly housing subsidy account of the borrower or husband and wife. If the total balance of the borrower's or husband's and wife's account is less than 65,438+00,000 yuan, it shall be calculated as 65,438+00,000 yuan.
4. Calculate the loan amount of housing provident fund according to the maximum loan amount.
The maximum amount is 250,000 yuan; If the deposit ratio of housing provident fund is increased or the housing provident fund or monthly housing subsidy is paid normally, the maximum loan amount is 300,000 yuan.
Third, how to determine the portfolio loan amount?
The maximum amount of a portfolio loan shall not exceed 80% of the house price or house appraisal value purchased, built, renovated or overhauled.
In portfolio loans, the amount of housing provident fund loans shall be implemented in accordance with the Measures for the Administration of Individual Housing Provident Fund Loans in Tianjin, and the amount of housing loans in banks' own accounts shall be determined by the lending banks according to their respective management measures after deducting the amount of housing provident fund loans.
Four. Example of calculating loan amount
For example, 40-year-old Mr. Zhang pays the 400 yuan Housing Provident Fund every month. The proportion of units and individuals is 10%, and the balance of housing accumulation fund is 8000 yuan. Pay the housing provident fund normally, with a balance of 3,000 yuan. The spouse pays the housing accumulation fund into 300 yuan every month, and the contribution ratio of both units and individuals is 15%, and the balance of housing accumulation fund is 6,000 yuan. The employee purchased a set of commercial housing with a house price of 400,000 yuan and a loan term of 15 years. If the husband and wife double loans are adopted, the loan amount shall be calculated:
1, with a loan of 279,000 yuan according to family income.
Calculation process:
The borrower's income is 400 ÷ (0.10.1) = 2,000 yuan.
Spouse's income is 300 ÷ (0.150.15) =1000 yuan.
Loan amount = [2000× (0. 40.1)1000× (0. 40.15) ]×12×15 = 279000 (yuan)
2. According to the house price, the loan is 320,000 yuan.
Calculation process:
Loan amount = 400,000× 80% = 320,000 yuan.
3. According to the balance, the loan is 225,000 yuan.
Calculation process:
Loan amount = (800030006000) ×15 = 255000 yuan.
4. The maximum amount is 300,000 yuan.
Unit: 10,000 yuan
Before and after the adjustment of loan limit conditions
Calculated by repayment ability 27.927.9
Calculated as a percentage of the house price.
Calculated by multiple of deposit balance: 2 125.5
Calculate 2030 according to the maximum amount.
The final loanable amount is 2025.5.
If the loan amount calculated according to the above four conditions is taken as its value, the employee can borrow 255,000 yuan.
How to calculate portfolio loan
If you apply for a portfolio loan, the running water is twice the monthly payment, not only for the commercial loan, but also for the provident fund loan. Expressed by the formula, it means that the running water is ≥ 2 times of the total monthly repayment amount (provident fund commercial loan).
Portfolio loan refers to the borrower who meets the conditions of individual housing commercial loan and pays the housing provident fund at the same time. When handling personal housing commercial loans, you can also apply for personal housing provident fund loans, that is, borrowers can use their own urban self-occupied housing (or other guarantee methods recognized by banks) as collateral, and at the same time apply for personal housing provident fund loans and personal housing commercial loans from banks. In short, I applied for both provident fund loans and commercial loans.
Portfolio loan refers to the borrower who meets the conditions of personal housing commercial loan. While applying for personal housing commercial loan, he can also apply for personal housing provident fund loan, that is, the borrower can purchase urban self-occupied housing (or other guarantee methods recognized by the bank) as collateral, and at the same time apply for personal housing provident fund loan and personal housing commercial loan from the bank.
What are the precautions for applying for a portfolio loan?
1. Make full use of provident fund loans.
For buyers who choose a portfolio loan to buy a house, it is necessary to plan the loan amount when applying for a mortgage. Property buyers should make full use of provident fund loans, extend the loan term as much as possible, and shorten the commercial loan term to a great extent, so as to reduce the monthly repayment and save the loan cost. Only provident fund depositors can apply for portfolio loans. The so-called portfolio loan is the loan mode of "commercial loan provident fund loan", so to apply for this loan, the borrower must pay the provident fund in full and on time at the place where the house is to be purchased, and the provident fund account is still in a normal state of deposit.
2. Choose the repayment method that suits you.
Different repayment methods are suitable for different buyers. Buyers of portfolio loans need to choose a good repayment method before applying for a mortgage. When signing a loan contract with a bank, you must first understand these repayment methods and determine the repayment method that suits you, because once the repayment method is agreed in the contract, it is generally not allowed to change during the whole loan period.
3. Determine the loan amount
Before applying for portfolio loans, buyers need to determine their own loan amount, and then determine the amount of provident fund loans and commercial loans. The maximum loanable amount for applying for portfolio loans is determined from two aspects, namely, the maximum amount of provident fund loans and the maximum amount of commercial loans. The lower of the two is the final loanable amount of the portfolio loan. When applying for a portfolio loan, the provident fund loan amount cannot be changed once it is determined, so the loan applicant and spouse need to check the maximum loan amount at the provident fund management center.