Legal subjectivity:
According to the following formula, how to calculate the loan amount of provident fund: monthly contribution of provident fund ÷ contribution ratio × individual repayment ability is 0.3 × 12 (month). Retirement age is 60, female is 55, and the loanable period of commercial housing is no more than 20 years). Example: 00 yuan provident fund. How much provident fund can I borrow? The loanable amount is 20×12× (60-33) = 243,000 yuan. But at present, individuals can only borrow 200 thousand provident fund at most, so they can only borrow 200 thousand at most 1. Calculate the amount of provident fund loans in the following two ways, which are 10 times (1) the borrower's housing provident fund deposit balance (subject to the data of 12 the night before applying for provident fund loans). The borrower's spouse meets the balance of the provident fund deposit. If the spouse of the borrower who meets the conditions of provident fund loan is an active serviceman, the loan amount shall be 20 times of the balance of the borrower's housing provident fund deposit. If the borrower borrows money or subsidies, the housing subsidies for new employees can be loaned with the balance of the borrower's housing provident fund. According to the standard of distinguishing whether the housing subsidies for new employees are paid normally, the down payment ratio of the total house price is not less than 20% of the total house price × (1-kloc-0/specified loan down payment ratio), and the first provident fund loan for employees' families is below the construction area of Xing Tao (hereinafter referred to as the area); If the area is more than 90 square meters, the down payment ratio of the loan shall not be less than 30% of the total house price. 2. The down payment ratio of the second provident fund loan shall not be less than 50% of the total house price. Note 1: The lower of transaction price and evaluation price is the total house price (excluding decoration price) for second-hand houses. If the decoration price is included in the total house price purchased by the borrower, the total house price shall be deducted by 15%.
Legal objectivity:
"Regulations on the Management of Housing Provident Fund" Article 26 When housing provident fund is deposited, rebuilt or overhauled, housing provident fund loans can be applied. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and the entrusted bank shall handle the loan procedures. The risk of housing provident fund loans shall be borne by the housing provident fund management center. "Regulations on the Administration of Housing Provident Fund" Article 27 An applicant applying for a housing provident fund loan shall provide a guarantee.
2. How to calculate the monthly contribution of provident fund?
1. repayment method of equal principal and interest: monthly repayment amount = [loan principal× monthly interest rate× (1interest rate )× repayment months ]=[( 1 interest rate )× repayment months].
2. Average principal repayment method: monthly repayment amount = (loan principal ÷ repayment months) (loan principal-accumulated repaid principal) × monthly interest rate.
Third, how to calculate the provident fund loan?
1) Loan amount calculated by multiple of the normal deposit balance in the housing provident fund account. Calculation formula: loan amount = (normal deposit balance of the borrower's housing provident fund account * * and the applicant's housing provident fund account) ×20 times;
(2) The loan amount calculated according to the prescribed down payment ratio.
1. Purchase the first house, with the loan amount not exceeding 70% of the property value and the down payment ratio not less than 30%;
2. To buy a second house, the loan amount shall not exceed 60% of the property value, and the down payment ratio shall not be less than 40%.
(three) the loan amount is calculated according to the loan repayment ability. Calculation formula: (monthly repayment of housing provident fund loans, commercial loans, secured loans and other loans)/(the borrower's monthly income is the same as that of the applicant) ≤50% If the borrower's loan amount calculated according to the normal deposit balance in the housing provident fund account is less than 200,000 yuan and meets the calculation results in items (2) and (3), the loan amount shall be determined as 200,000 yuan. Thank you for your support for the management of housing provident fund in Yantai.
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
20 12 some cities relaxed the conditions of provident fund loans, among which the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan from June 1.
20 14, 10 In June, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued a document, including relaxing the conditions of provident fund loans, promoting loans in different places, reducing intermediate costs, canceling the housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory institutional guarantee, and reducing the burden on loan workers. Among them, employees who have paid for 6 months can apply for provident fund loans (currently 12 months).
On August 17 and 15, the Ministry of Housing and Urban-Rural Development jointly issued a notice saying that the down payment for purchasing a second home with provident fund loans will be cancelled by 20% from September 15 and 1 day.
Four, how to calculate the amount of 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). Usage of spouse's quota: [(total monthly salary of husband and wife, monthly contribution of housing accumulation fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan period (month). Among them, the repayment ability coefficient is 40% of the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution). The calculation formula of the loan amount calculated by the house price is: loan amount = house price × loan ratio, in which the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans: a. Purchase of commercial houses, price-limited commercial houses, targeted placement of affordable housing, targeted sales of affordable housing or private housing. Workers' families (including employees, spouses and minor children, the same below) who purchase the first set of housing (including commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sale of affordable housing or private property housing) with a construction area of less than 90 square meters (including 90 square meters) shall pay a down payment of not less than 20% of the purchased housing price, and the loan amount shall not be higher than 80% of the purchased housing price; If the construction area of the purchased house exceeds 90 square meters, a down payment of not less than 30% of the purchased house price shall be paid, and the loan amount shall not be higher than 70% of the purchased house price. If an employee buys a second house with a family loan, the down payment shall not be less than 50% of the house price, and the loan amount shall not be higher than 50% of the house price. Workers' family loans to buy third and above houses will suspend the issuance of personal housing provident fund loans. When purchasing private housing, if the housing price is inconsistent with the assessed price, the lower of the two shall be the approved limit. The purchase of targeted resettlement affordable housing, the loan amount should not be higher than the difference between the total price of the purchased housing and the amount of housing compensation. B for the purchase of existing public housing, the loan amount shall not exceed 70% of the purchased housing price; For the construction, renovation and overhaul of self-owned housing, the loan amount shall not exceed 70% of the cost of housing construction and repair. It is recommended to consult the local provident fund management center for the specific loan amount, and the data obtained will be more accurate.