Generally speaking, the personal provident fund loan amount is 20 times of the balance of 10- provident fund account.
The calculation of specific provident fund loan amount should be determined according to four conditions: repayment ability, the proportion of provident fund loans to house prices, the balance of housing provident fund account and the maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of borrowers.
The calculation method is as follows:
Loan amount calculated according to repayment ability: (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 term (month). If the spouse's quota is used, (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 period (month). Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution);
Two, Luohe provident fund loan quota new standard
If both husband and wife pay the housing provident fund in full, the maximum amount of personal housing provident fund loans in Luohe City will be adjusted to 400,000 yuan; If one party continuously pays the housing provident fund in full, the maximum loan amount is 300,000 yuan. Luohe personal housing provident fund deposit for more than two years (including two years), you can apply for personal housing provident fund loans. And the longest loan period is 30 years, and the maximum loan amount does not exceed 70% of the total house price.
Specific standard: 1. The purchased building area is less than 90 square meters (inclusive), which is not higher than 80% of the total house price or the funds needed for building or repairing houses; The purchase of housing area of 90 square meters or more shall not be higher than 70% of the total housing price or the funds needed for building or repairing housing; 2, with real estate mortgage, shall not be higher than 70% of the value of collateral; 3. It shall not be higher than the loan limit determined according to the repayment ability, and its calculation formula is: the monthly contribution of the husband and wife housing provident fund × the specified proportion × 12 months× the loan period; 4. The maximum amount of personal housing provident fund loans in Luohe City is adjusted to be that both husband and wife pay the housing provident fund in full and continuously, and the maximum loan amount is increased from 300,000 yuan to 400,000 yuan; If one party continuously pays the housing provident fund in full, the maximum loan amount will be increased from 200,000 yuan to 300,000 yuan.
Three, Luohe provident fund loan quota new standard
Legal analysis of 80% of the purchase price (if the house value is not mortgaged, the nature of the land is 80% of the highest loanable house value and 70% of the house value);
(two) the monthly repayment amount can not exceed the applicant's repayment ability (the monthly repayment ability is 50% of the salary base of the employee's monthly contribution to the provident fund);
If the balance of the husband and wife's housing provident fund account is less than 6,543,800 yuan, it is determined to be 6,543,800 yuan; If the deposit time is less than 1 year, it is 15 times of the balance; if the deposit time is longer than 1 year, it will increase by 1 year, with a maximum of 20 times);
(four) shall not be higher than the maximum loan limit stipulated by our city, and the application amount shall be regarded as the minimum loan amount.
Article 7 A borrower applying for a loan shall meet the following conditions: it has the ability to repay the principal and interest of the loan on schedule, and has made a repayment plan approved by the lender for the original loan interest and repayment; Two, in addition to natural persons and do not need to go through the industrial and commercial departments, should go through the annual inspection procedures in the industrial and commercial departments. 3. basic account or general deposit account has been opened; 4. The borrower's asset-liability ratio meets the requirements of the lender.
"Regulations on the Management of Housing Provident Fund" Article 26 Employees who pay housing provident fund may apply for housing provident fund loans to the housing provident fund management center if they overhaul their own houses.
Hello, how many provident fund loans can I borrow in Luohe City in this situation?
Yes, this situation belongs to the off-site provident fund loan. The Ministry of Housing and Urban-Rural Development clearly stipulates that off-site provident fund loans shall be handled according to the following procedures:
1. Loan City Provident Fund Center accepts the consultation of employees' loan business in different places, and informs them of the materials needed for loan review at one time;
2 employees themselves or their clients apply to the municipal provident fund deposit center, and the municipal provident fund deposit center verifies the loans paid by employees according to their applications. For the paid employees who have not used the housing provident fund personal housing loan or whose first housing provident fund personal housing loan has been settled, a certificate of deposit and use of the housing provident fund for employees with loans from different places shall be issued;
3. After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loan to the deposit city provident fund center. If the verification is correct, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center. Deposited to the city provident fund center to identify employees' loans in different places, and establish a detailed account of employees' loans in different places;
4. During the loan repayment period, if the individual account of the housing provident fund is transferred, the original deposit city provident fund center shall promptly inform the loan city provident fund center and transfer it to the city provident fund center. Transferred to the city provident fund center should be re-identified and recorded in a timely manner after receiving the employee housing provident fund account;
5. In loans overdue, the deposit city provident fund center should cooperate with the loan city provident fund center to carry out loan collection and other work, and the balance of the loan employee provident fund account can be deducted according to the loan contract to repay the loan.
Materials required for applying for provident fund loans:
1. Commercial housing sales contract;
2. Identity cards, household registration books and proof of marital status of the applicant and spouse;
3. Work certificate and bank flow;
4. Down payment document (1 original inspection);
5 provident fund deposit certificate (or housing provident fund card);
6. Evaluation report of the purchased house;
7. Purchase contract signed by the buyer and the seller;
8. Real estate license and state-owned land use certificate under the name of the original seller (original and photocopy).