1. How to calculate the amount of provident fund loans?
At present, there are four ways to calculate the loan amount of housing provident fund, and the minimum value calculated by these four ways is the amount that users can borrow.
1. The calculation formula of provident fund loan based on repayment ability is:
loan amount = [(total monthly salary of the borrower or husband and wife, monthly contribution of housing provident fund of the unit where the borrower or husband and wife work) × repayment ability coefficient 4%- monthly repayment amount of the existing loan of the borrower or husband and wife ]×12 (month )× loan period.
where the total monthly salary = monthly contribution of provident fund/(unit contribution ratio and individual contribution ratio);
2. The calculation formula of provident fund loan based on house price is:
loan amount = house price × loan ratio.
3. Calculated according to the maximum loan amount:
Users can use their own housing provident fund to apply for housing provident fund loans, and the maximum amount is 5, yuan; If the spouse housing provident fund is used to apply for a loan at the same time, the maximum loan amount is 7, yuan.
4. The formula for calculating the provident fund loan based on the balance of the provident fund account is:
the amount of the provident fund loan = the balance of the provident fund account of the borrower and the borrower ×2.
II. How to calculate the loan amount of the provident fund
The loanable amount of the housing provident fund = (calculated by the borrower, spouse and those involved in calculating the loan amount as the monthly salary base of the housing provident fund) ×35%×12 months× loan period (the maximum period is 15 years). Monthly mortgage = loan amount ((1 interest rate) to the power of-1)/((1 interest rate to the power of interest rate)). The formula is complicated. The term "the power of the number of periods" here is the power of the number of months to be loaned. For example, the loan for 1 years is the power of 12, and the balance of the loan is calculated according to the original loan interest rate in the current period. If it is adjusted in that year, the adjustment of the amount of contributions will be implemented only in January of the following year according to the latest interest rate standard. "Regulations on the Management of Housing Provident Fund" Article 25 Where an employee withdraws the storage balance in the housing provident fund account, the unit where he works shall verify it and issue a certificate of withdrawal. Employees shall apply to the housing provident fund management center for the withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or not to withdraw, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment formalities. Warm reminder The above answers are only made for the current information combined with my understanding of the law. Please refer carefully! If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.
III. Calculation of the loan amount of provident fund
The loan amount calculated according to the repayment ability
The calculation formula is:
[ (total monthly salary of the borrower, monthly contribution of the housing provident fund of the borrower's unit) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month).
if the spouse's quota is used:
[ (total monthly salary of husband and wife, monthly contribution of housing accumulation fund of the unit where both husband and wife work) × repayment ability coefficient-total monthly repayment amount of existing loans of both husband and wife ]× loan period (month).
the repayment ability coefficient is 4%
total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio and individual contribution ratio).
The loan amount calculated according to the house price
The calculation formula is: loan amount = house price × loan percentage
The loan percentage is determined according to the different types of houses purchased, built or repaired and the number of mortgage loans:
a. Purchase commodity houses, price-limited commodity houses, directionally resettle affordable houses, directionally sell affordable houses or privately-owned houses.
employees' families (including employees, spouses and minor children, the same below) purchase the first set of housing (including commodity housing, price-limited commodity housing, targeted resettlement of affordable housing, targeted sales of affordable housing or private property housing) with a construction area of less than 9 square meters (including 9 square meters), they shall pay a down payment of not less than 2% of the purchased housing price, and the loan amount shall not be higher than 8% of the purchased housing price; If the construction area of the purchased house exceeds 9 square meters, a down payment of not less than 3% of the purchased house price shall be paid, and the loan amount shall not be higher than 7% of the purchased house price.
if an employee purchases a second house with a family loan, he shall pay a down payment of not less than 5% of the purchased house price, and the loan amount shall not be higher than 5% of the purchased house price.
if the employee's family loans are used to purchase the third or above houses, the individual housing provident fund loans will be suspended.
in case of purchase of privately-owned housing, if the housing price is inconsistent with the appraised price, the lower value of the two shall be taken as the approved quota.
for the purchase of directional resettlement affordable housing, the loan amount should not be higher than the difference between the total price of the purchased housing and the housing compensation.
B. for the purchase of existing public housing, the loan amount shall not exceed 7% of the purchased housing price; For the construction, renovation and overhaul of self-owned housing, the loan amount shall not exceed 7% of the cost required for the construction and repair of housing.
For the specific loan amount, please consult the local provident fund management center, and the data will be more accurate.
IV. Calculation of Qingdao Provident Fund loan amount
The calculation of Qingdao Provident Fund loan amount is as follows:
1. The loan amount is not higher than the following calculation results and the specified minimum value
2. The loan amount calculated according to the repayment ability;
3. Calculated according to the multiple of the normal deposit balance of the provident fund account of the borrower and spouse
4. Loan amount calculated according to the specified proportion;
5. Qingdao has a high loan line.
housing provident fund loan process:
1. Get an application form for provident fund loan, or download it yourself in official website and fill it out, and then submit an application for provident fund loan
2. After the provident fund management center accepts it, it will investigate and verify all the materials, risks and personal credit information provided by the applicant to see if it meets the requirements of the loan;
3. after the approval of the provident fund management center, the entrusting bank will transfer funds to the center according to the qualified application procedures;
4. according to the contract, the bank transfers all the loan funds into the account of the development bank.
It should be noted that if the amount of provident fund loan is insufficient, the remaining part of the audit subject that can be applied for is the bank. Whether the applicant can meet the requirements of the bank mainly depends on the individual's repayment ability.
Legal basis: Article 15 of the Regulations on the Management of Housing Provident Fund
If a unit hires employees, it shall manage the housing provident fund and handle the employee housing provident fund procedures within 3 days from the date of employment.
if the unit terminates the labor relationship with the employee, the unit shall go through the formalities of change, registration, transfer or seal-up with the housing provident fund management center within 3 days from the date of termination of the labor relationship.