The calculation of the loan amount of housing provident fund shall be determined according to four conditions: repayment ability, the proportion of housing price, the balance of housing provident fund account and the maximum loan amount. The minimum value calculated according to the four conditions is the maximum loanable amount of the borrower. The calculation method is as follows:
① Loan amount calculated according to repayment ability
Calculation formula of employee's own loan amount
(Total monthly salary of the borrower × repayment ability coefficient of the borrower-total monthly repayment amount of the borrower's existing loan)
The calculation formula for the loan amount of both husband and wife is:
(Total monthly salary of husband and wife, monthly contribution of housing provident fund of work units of husband and wife) × repayment ability coefficient-total amount of husband and wife ]× loan period (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).
2 according to the house price.
The calculation formula is: loan amount.
A. Purchase of commercial housing, price-limited commercial housing, directional resettlement of affordable housing or private housing.
Workers' families (minor children, the same below) borrow money to buy the first set of housing (including commodity affordable housing, targeted sales affordable housing or private housing), and the loan amount shall not exceed the lower value of the housing price of private housing, that is, the total purchase price and the housing evaluation price.
Workers' family loans to buy the second set and other self-owned houses that meet the purchase conditions of our city, and the loan amount shall not exceed 70% of the purchased house price.
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; In rural collective land construction, renovation, overhaul of their own housing, the loan amount does not exceed 70% of the required costs.
(3) according to the balance of the housing provident fund account
A. If the purchase of commodity housing is higher than the balance of housing provident fund account when employees apply for provident fund loans (at the same time, the spouse's housing provident fund application for provident fund loans is the sum of the balance of working accounts, the same below), the amount less than 20,000 yuan shall be calculated as 20,000 yuan.
B. Buy the first loan. When employees apply for provident fund loans, if the balance of the housing provident fund account is less than 20,000 yuan, it will be calculated as 20,000 yuan.
C if the balance of the housing provident fund account is less than 20,000 when applying for a loan, it will be calculated as 20,000: the loan is used to purchase a second house; Purchase public housing; Construction, renovation or overhaul of self-owned housing on rural collective land.
④ According to the maximum loan limit
If you use your own housing provident fund to apply for housing provident fund loans, if you use your spouse's housing provident fund to apply for housing provident fund loans, the maximum loan amount is 800,000 yuan.
When employees apply for loans, they should adhere to the provisions on the normal deposit of supplementary housing provident fund.
The calculated loan amount is reserved to thousand, and the number below thousand is not zero plus one.
Second, how to borrow Beijing housing provident fund loans
The loan process of Beijing housing provident fund is as follows: 1. Loan users should first consult the corresponding provident fund management department and submit the required information. Two, the provident fund management department to conduct a preliminary review. When evaluating, there are two aspects, one is credit evaluation and the other is collateral evaluation. Review the guarantee qualification of the guarantee center. 3. Both parties sign the contract. Fourth, transfer all the information to the handling bank. Five, have the loan conditions, loan. 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. Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to provide mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their working life. According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient. The loan conditions are: the employees of the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.
3. Can Beijing Provident Fund be recharged every month?
Beijing provident fund can offset the monthly payment every month, but because the loan account is different from the provident fund account, it is necessary to withdraw the provident fund first and then deposit it in the loan account. The personal provident fund account is under the general account of the housing provident fund management center, and the repayment account is an ordinary bank account. Every month, the monthly payment will be deposited into this account, and the loan bank will withdraw it on time. Therefore, if you use the provident fund to offset the monthly payment, you must first withdraw it and deposit it in the repayment account.
4. How to apply for a Beijing provident fund loan?
The basic process of Beijing provident fund loan is:
1) The borrower applies at the housing fund management (sub-) center where the unit has paid the housing provident fund, introduces himself and gets the materials. 2) Prepare complete written materials and submit them to the housing fund management (sub-) center for review, including verifying the loan application form, whether the house purchase behavior is legal, verifying the loan amount and duration, and determining the loan guarantee method. Loans that need to be evaluated shall be evaluated by designated evaluation agencies. 3) After passing the preliminary examination, the housing fund management center will issue an investigation notice, and the entrusted bank will investigate the borrower and guide the borrower to fill in the relevant loan contract. The contents of the inspection include: verifying whether the person with guaranteed income and the guarantor are qualified to guarantee. 4) After passing the bank investigation, the entrusted bank will issue an investigation opinion and submit it to the housing fund management (sub-) center for approval. 5) After approval, the housing provident fund management (sub-) center will issue a notice of entrusted loan. The bank informs the borrower to go through the loan formalities. 6) After the loan contract comes into effect, the housing fund management (sub-) center will transfer the funds into the entrusted loan fund account, and then the entrusted bank will transfer the funds into the developer account. 7) The borrower shall repay the loan on time in the prescribed way. 8) When the borrower pays off the principal and interest of the loan, the loan contract and related guarantees are dissolved and relevant documents are returned to the borrower (mortgagor or pledger).