2. Loan amount: The maximum amount of housing accumulation fund that the borrower applies for in Changsha is 600,000 yuan; The borrower's loanable amount is calculated according to the years of housing accumulation fund deposit, the amount of deposit, the purchase and housing, family income and other aspects within the maximum loan amount, and the lowest value of the calculation result is taken; If the loanable amount is less than 200,000 yuan according to the loanable amount formula, the maximum loan amount of the housing provident fund shall be approved by 200,000 yuan;
3. Loan down payment ratio: The loan policy of Changsha Housing Provident Fund Management Center is that the minimum down payment is 20% for the first time to buy a house below 140 square meters, and 40% for the second suite, and the families with the interior area exceeding 140 square meters will stop lending. Strictly implement the provisions on the down payment ratio of employees applying for housing provident fund loans when purchasing a second family home. The down payment ratio of employees applying for housing provident fund loans when purchasing a second family home shall not be less than 60%, and it is no longer necessary to distinguish whether there is a housing loan or the loan has been settled in the first suite of employees' families.
How to calculate the loan amount of Changsha provident fund? 1. Loan amount calculated according to repayment ability: [(total monthly salary of the borrower+monthly contribution of housing accumulation fund of the borrower's unit) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month).
2. According to the amount of spouse used: [(total monthly salary of both husband and wife+monthly contribution of housing provident fund of the unit where both husband and wife work) × repayment ability coefficient-total monthly repayment amount of existing loans of both husband and wife ]× loan period (month),
Among them, the repayment ability coefficient is 40%,
Total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio+individual contribution ratio).
3. Loan amount calculated according to house price: loan amount = house price × loan percentage.
Loan amount calculated according to the maximum loan amount: if I use my housing provident fund to apply for a housing provident fund loan, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, the maximum loan amount is 600,000 yuan.
Changsha provident fund loan conditions 1, employees with full civil capacity and full payment of housing provident fund;
2. The applicant must continuously and normally deposit the housing provident fund for more than twelve months;
3. The applicant and spouse have no outstanding housing provident fund loans. (including the place where the housing provident fund is paid);
4. The applicant must purchase a self-occupied house in Changsha, and be the owner or owner of the house purchased, and have paid the house purchase price above the prescribed down payment ratio;
5. Personal credit is good, with stable economic income and the ability to repay loan principal and interest;
6. Agree to use the purchased house as collateral for the loan, or provide the guarantee approved by the management center;
7, did not exceed the statutory retirement age stipulated by the state.