The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower. The calculation method of provident fund loan amount is as follows:
Loan amount calculated according to repayment ability
The calculation formula is:
[(total monthly salary of the borrower, monthly contribution of the borrower's housing provident fund) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan term (month).
Depending on the number used by the spouse
[(total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan term (month).
Among them, the repayment ability coefficient is 40%.
Total monthly salary = monthly contribution of provident fund ÷ (proportion of unit contribution and proportion of individual contribution).
Loan amount calculated according to house price
The calculation formula is: loan amount = house price × loan ratio.
The loan amount is calculated according to the maximum loan amount.
If I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 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 housing provident fund to apply for housing provident fund loans, and if I pay the housing provident fund normally when applying for loans, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan. I don't quite understand. My salary is about 2500 now, and I will pay 336 yuan of provident fund, but the company won't help me out. How much can I borrow this way?
Your information is too little.
What other information do you need?
You see, the loan amount in Nanning is 600,000. Seven. Loan amount and term 1. The loan amount does not exceed 80% of the total purchase price, and the maximum loan amount is 600,000 yuan. 2. The loan term is 1-30 years. The final repayment age shall not exceed five years after the statutory retirement age. I didn't look at the loan amount in your provident fund card, only at your salary. The monthly loan amount that can be supported is about 1 1,000 yuan, and the loan amount for 20 years this month is about 200,000 yuan. I have to go up and count so much. So your total house payment is basically controlled at 250,000. What size do you want to buy? The average price of Nanning searched at night is 7700, which means that you can only buy a house of about 32 square meters. I know that most of this area is apartments, and there are few houses. And the apartment can't use provident fund loans. Of course, I'm just an accountant. Maybe I won't ask for proof of income in the future. Can be faked, or have other proof of financial strength.
I'm going to donate with my family. My family's monthly income is about 5,000 yuan, and my family says I'm going to buy 100 square meter.
When buying a house, ask the salesperson to help you estimate your information. Please adopt it.
Second, Nanning provident fund payment standard?
Nanning Housing Provident Fund Payment Standard
1, deposit ratio
The contribution ratio of employee and unit housing provident fund is still 12%. Units that have real difficulties in depositing housing provident fund may apply for reducing the deposit ratio or holdover of housing provident fund according to the Notice on Checking the Interest Settlement and Deposit Ratio of Housing Provident Fund, and then increase the deposit ratio or repay the holdover amount after the economic benefit of the unit improves.
2. Deposit base
The upper limit of the monthly deposit base of employee housing provident fund in Nanning is 15955 yuan, and the minimum monthly deposit is not lower than that in 70 yuan, and the maximum is not higher than19654,38+05 yuan.
3. Deposit amount
The maximum monthly deposit of individuals and units is 19 15 yuan, totaling 3,830 yuan.
The minimum monthly deposit for individuals and units is 70 yuan, totaling 140 yuan.
Third, the Nanning Provident Fund New Deal solicited opinions: the maximum loan for a three-child family 1 10,000 yuan.
On September 2 1, Nanning Provident Fund Management Center of Guangxi Zhuang Autonomous Region issued the Notice on Soliciting Opinions of Nanning Housing Provident Fund Management Committee on Implementing Support Policies for Families with Many Children (Draft for short), and solicited opinions from the public.
According to the Draft, if a family with two children purchases an owner-occupied house and applies for a housing provident fund loan, the maximum amount of the housing provident fund loan will be increased by 654.38+10,000 yuan on the basis of the current Nanning housing provident fund loan policy; If a family with three children buys a self-occupied house and applies for a housing provident fund loan, the maximum amount of the housing provident fund loan will be increased by 200,000 yuan on the basis of the current Nanning housing provident fund loan policy.
According to the Notice on Adjusting the Maximum Loan Amount of Housing Provident Fund issued by Nanning Housing Provident Fund Management Center on April 29th this year, the maximum loan amount of the first housing provident fund is 800,000 yuan and the maximum loan amount of the second housing provident fund is 700,000 yuan from May 1 day.
This also means that families with two children can purchase self-occupied housing and apply for housing provident fund loans, and the maximum amount of housing provident fund loans can be increased to 900,000 yuan; If a family with three children buys a self-occupied house and applies for a housing provident fund loan, the maximum loan amount of the housing provident fund can be increased to 6,543,800 yuan.
In addition, the "Draft" shows that if a family with two children has no room and rents a commercial house to withdraw the housing provident fund, the rental withdrawal amount will increase the 200 yuan on the basis of the current Nanning housing provident fund withdrawal policy; If a three-child family has no room and rents a commercial house to withdraw the housing provident fund, the withdrawal amount of the rental housing will be increased by 400 yuan on the basis of the amount stipulated in the current Nanning housing provident fund withdrawal policy.
On the same day, Nanning Provident Fund Management Center also issued a notice on the "Notice of Nanning Housing Provident Fund Management Committee on Further Optimizing the Use Policy of Housing Provident Fund (Draft)" for comments.
Among them, it is proposed to adjust the criteria for determining the liabilities of housing provident fund loans. When applying for a housing provident fund loan, only the debt guarantee under the family name of the loan applicant (including the same applicant), the housing mortgage loan with a remaining repayment period of more than three years and other commercial loans are included in the family liabilities.
At the same time, relax the conditions for the use of housing provident fund loans for flexible employment payers. Flexible employment depositors and their spouses can use a one-time housing provident fund loan (excluding business-to-public loans) when purchasing the first or second set of improved self-occupied housing within the administrative area of Nanning.
In addition, relax the requirements for housing consumption to withdraw housing provident fund. For example, the depositor and his spouse purchase, build, renovate and overhaul the owner-occupied housing, repay the principal and interest of the loan for the purchase and construction of the owner-occupied housing, rent a house, and install elevators in the existing housing. In the same natural year, you can apply for withdrawal of housing provident fund according to different housing consumption situations, and each housing consumption situation can apply for withdrawal once.
Four, Nanning housing provident fund loan amount
To apply for individual housing provident fund loans in China Bank, Jiangsu Province, the maximum loan amount shall not exceed 80% of the total price of the property to be purchased, and shall not exceed the provident fund loan amount stipulated by the management institution; If the borrower applies for commercial housing loans at the same time, the sum of the loan amounts of the two loans shall not exceed 80% of the total house price.
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