What is the personal portfolio loan amount?
Calculate the loan amount of housing provident fund according to the maximum loan amount, which 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.
Personal housing portfolio loan refers to personal housing portfolio loan, which refers to the specific loan portfolio formed by the Construction Bank when it purchases and overhauls various types of housing, and simultaneously issues provident fund personal housing loans and mortgage loans to employees who pay housing provident fund in full and on time.
What are the calculation methods of portfolio loan amount?
The calculation of the loan amount of the housing provident fund should be determined according to the multiple of the balance of the provident fund and the house price, and the calculated minimum value is the maximum loanable amount of the borrower. 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 = [borrower's total monthly salary * (repayment ability coefficient+borrower's unit housing provident fund contribution ratio)+borrower's spouse's total monthly salary * (repayment ability coefficient+borrower's spouse housing provident fund contribution ratio) ]* 12 (month) * loan period.
In which the borrower's total salary = monthly payment/(unit contribution ratio+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, in which the loan ratio is determined according to different types of houses purchased, built and repaired. For the purchase of commercial housing, affordable housing, private property housing or other housing that has obtained the ownership certificate, the loan amount shall not exceed 80% of the purchased housing price (housing appraisal value).
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.
If you want to apply for a personal portfolio loan, you must first understand the application method and pay attention to the specific quota calculation method. The above is an introduction about the personal portfolio loan amount and the calculation method of portfolio loan amount. When you apply for a portfolio loan, you are advised to know the relevant procedures in detail.