If you pay more than 500 yuan every month, you can generally borrow 300,000 yuan, 400,000 yuan if you have supplementary provident fund, and 800,000 yuan if you have a spouse who also pays provident fund.

1. The specified proportion (50%) of the borrower's salary base for calculating the monthly contribution of housing provident fund is 12 months of loan life; Term of the loan: for the purchase of a first-hand house, the longest term shall not exceed 30 years; The longest time to buy a second-hand house is 15 years, and the longest time is 5 years after the borrower retires legally.

2. The interest rate adjustment of provident fund loans shall be implemented in May 1 1, 2065438. The interest rate of provident fund loans for more than five years is 3.75%, the monthly interest rate is 3.75%/ 12, and the annual interest rate of provident fund loans for five years and less is 3.25%, which is consistent throughout the country.

Second, how to calculate the maximum amount of housing provident fund loans?

The formula for calculating the loan amount 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).

Three, how to calculate the housing provident fund loan amount?

Enter the area and get the decoration quotation for free. Housing provident fund is generally used to buy a house, but do you know about housing provident fund before buying a house? In fact, the housing provident fund is also limited to buying a house, and it is impossible to apply for a housing provident fund loan by paying the housing provident fund. Then, how to calculate the housing provident fund loan amount? What is the process of buying a house with provident fund? Let's take a look with Bian Xiao. \ r \ n \ r \ n \ r \ nI How to calculate the loan amount of housing provident fund \r\n\r\n\r\n 1 The maximum loanable amount is calculated according to the balance of the housing provident fund account, and the calculation formula is: (balance of the provident fund account× 2× statutory retirement months )× \ r \ n \ r \ n \ r \ n \ r \ n \ r \ N2. According to the maximum loan amount, the maximum loan amount for one person to apply for housing provident fund loans is 500,000, and the maximum loan amount for two or more people to purchase the same house is 800,000. \r\n\r\n\r\n\r\n3。 According to the loan ratio, the down payment ratio shall not be less than 20% for families who purchase the first set of housing with a construction area of less than 90 square meters, or families who purchase affordable housing according to regulations. For families who purchase the first home and have a building area of more than 90 square meters, the down payment cannot be less than 30%. \ r \ n \ r \ n \ r \ n \ r \ Second, the process of buying a house with provident fund \r\n\r\n\r\n 1. The housing provident fund management center signed an entrusted loan agreement with the entrusted bank. \r\n\r\n\r\n2。 The borrower applies for a loan from the housing provident fund management center, and the entrusted bank provides the application materials for the mobile phone borrower as needed, and then submits them to the housing provident fund management center for review. \r\n\r\n\r\n\r\n3。 After the approval of the housing fund management center, the entrusted loan contract is signed with the entrusted bank. After signing the contract with the borrower, go through the loan formalities. \r\n\r\n\r\n4。 The entrusted bank directly transfers the loan to the designated account opened by the buyer in the entrusted bank. \ r \ n \ r \ n \ r \ Editor's summary: How to calculate the housing provident fund loan amount? What is the process of buying a house with provident fund? I believe everyone knows something after reading the article. I hope the above contents can bring you some help and suggestions. If you need more relevant information, please continue to follow us. Calculate how much it will cost to decorate your home.

Four, how to calculate the maximum amount of housing provident fund loans?

The amount of provident fund loans can be 800,000, AAA 920,000 and AAA 654.38+0.04 million. The longest loan period of the provident fund is 30 years, and the couple's life cannot exceed 70 years, which is also related to the age of the building. The building age of brick-concrete structure plus the loan period cannot exceed 47, and the building age of steel-concrete structure is added.

The specific loan amount is: First, it must not exceed the individual repayment ability, that is, the sum of the borrower's monthly deposit/borrower's reserve deposit ratio/borrower's spouse's provident fund deposit ratio ×50%× 12 (month )× loan period;

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