1. Xinxiang provident fund loan.
Using my housing provident fund to apply for housing amount of 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. I use my own housing provident fund to apply for housing provident fund loans, and when I apply for loans, I normally pay the supplementary housing provident fund. I will apply for housing provident fund loans with the maximum amount of loan provident fund, and apply for paying the supplementary housing provident fund in RMB.
Second, Xinxiang housing provident fund loan interest rate
The loan term is, and the annual interest rate of loans with a term of more than five years is 4.50%.
Three, Xinxiang City provident fund loan amount calculation:
The maximum single loan amount is 450,000 yuan, and the following conditions are met:
1. Loan amount = monthly salary of the borrower and spouse ×35%× 12× loan period.
(1) The loan amount can only be calculated according to the "monthly salary" of one party and the "monthly salary normally payable by the borrower and his spouse".
(2) The "monthly salary" in the "sum of the monthly salary of the borrower and spouse" refers to the actual monthly salary set by the normal deposit reserve, whichever is the lowest.
2. The monthly repayment amount shall not exceed 50% of the above-mentioned "total monthly salary";
3. The loan amount of self-occupied commercial housing should be less than the total purchase price minus the down payment stipulated by the state; Second-hand housing loan amount does not exceed 60% of the total price;
Determination of the total price of commercial housing: construction area × price per square meter.
How long can Xinxiang's first home provident fund loan last?
1. Xinxiang first home provident fund loan shall not exceed 30 years. Provident fund loans refer to the provisions of the state. All employees who have paid the provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
Second, the provident fund loan refers to the individual housing provident fund loan, which is a mortgage loan issued by retired workers to purchase, build, renovate or overhaul their own houses with the housing provident fund paid by the local housing provident fund management center.
Three, according to the provisions of the housing provident fund must be deposited in the purchase and construction, renovation, large loans.
Second, how much can Xinxiang's ten thousand provident fund borrow?
According to the new policy of the state supporting the loan to buy the first suite, if there is a 1 10,000 provident fund in Xinxiang, Henan Province, you can borrow more than 200,000 yuan. You can borrow up to half the purchase price. That is, people who meet the loan conditions can borrow one-third of the money. That is, 600,000 houses can borrow 200,000. 1 10,000 can pay 350,000.
3. How much is the provident fund 1 universal loan?
If you want to apply for housing provident fund loans in China Merchants Bank, due to the different policies in different cities, it is recommended that you contact the local handling outlets or provident fund management centers by telephone to confirm whether there is provident fund loan business and related regulations (such as application conditions, audit standards, real estate requirements, amount and duration, etc.). ) In your local area.
Iv. 10000 provident fund loan amount?
The calculation formula of personal provident fund loan amount is: (monthly contribution × total months of legal retirement age) ×2. How much you can borrow from the 10 thousand provident fund depends on the loan amount of the local housing provident fund. For example; Wang, 25, retired at 65. Currently, the provident fund is being paid. The monthly deposit is 600 yuan, and the balance of provident fund is 1 000 yuan, so the maximum loan can be (60040 1 2 1 000,000) 2 = 596,000 yuan. Can't exceed the local government restrictions.
Legal basis:
"Regulations on the Administration of Housing Provident Fund" Article 16 The monthly deposit amount of employee housing provident fund is the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.
"Regulations on the Management of Housing Provident Fund" Article 21 The housing provident fund shall bear interest at the interest rate stipulated by the state from the date it is deposited in the employee housing provident fund account.