1, calculated according to repayment ability

[(the total monthly salary of the borrower+the monthly contribution of the housing provident fund of the borrower) × repayment ability coefficient-the total monthly repayment amount of the borrower's existing loan ]× loan term (month).

Step 2 have a 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%, and the total monthly salary = the monthly contribution of the provident fund ÷ (unit contribution ratio+individual contribution ratio).

3. According to the house price

Loan amount = house price × loan ratio.

4. 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.

What are the procedures for buying a house with a provident fund loan?

1. The purchaser should take the commercial housing sales contract or loan contact form to the housing provident fund management center to receive the loan application form, and according to the prompt, the applicant should fill in the housing provident fund loan application form as required.

2. The applicant holds your ID card or the ID card of the auxiliary borrower, and at the same time must prepare the household registration book (marriage certificate is required if the household registration books are not together). Sometimes you need to go to the civil affairs bureau to get a marriage certificate or a single certificate. Bring the commercial housing sales contract, fill in the Application Form for Housing Provident Fund Loan, review the loan amount at the Housing Provident Fund Management Center, and calculate the payable expenses.

3. Submitted materials that the applicant needs to prepare: housing provident fund loan application form, original commercial housing sales contract, 4 original commercial housing sales contracts, approval letter for real estate sales, 6th maintenance fund receipt, 3rd house payment receipt (receipt amount = total house payment-loan amount), 4 ID cards of buyers, spouse ID card 1 copy, husband and wife household registration book 1 copy, marriage certificate or certificate.

4, the applicant in the specified date to the housing provident fund management center agent bank window, and receive a bank receipt.