The balance is 1.5 million, which means that you can borrow 280,000 yuan.
Cities are different. For example, the balance of the provident fund account in Shenzhen is 14 times, while that in Zhengzhou is only 12 times.
280,000, because other conditions must be met:
1. Monthly repayment of loan principal and interest) shall not exceed 50% of the deposit base of the applicant's housing provident fund. * * * The participation quota calculation is the same as the applicant's deposit base.
2. The loan amount of housing provident fund shall not be higher than the difference between the total purchase price and the down payment.
If the applicant or provident fund loan fails to withdraw the housing provident fund for more than three consecutive years, the loan amount calculated according to the balance of each provident fund account may be increased by 10%, but other conditions specified in the preceding paragraph shall be met.
2. How much can Zhengzhou Provident Fund borrow with only 10,000 yuan?
The maximum loan limit of Zhengzhou Provident Fund is 700,000.
If the borrower and his wife normally deposit the housing provident fund in Zhengzhou housing provident fund management institution, the maximum amount of individual housing loan is 450,000 yuan; If the borrower unilaterally deposits the housing provident fund in the housing provident fund management institution of Zhengzhou City, the maximum amount of individual housing loan is 350,000 yuan.
Loan amount and calculation method:
Zhengzhou housing provident fund loan amount
(1), use the housing provident fund loan to purchase the first family housing. If the purchased property is an auction house, the loan amount shall not be higher than 70% of the total price of the purchased property; If the purchased house is a second-hand house, the loan amount shall not be higher than 60% of the total price of the purchased house.
(2) If the family already has a set of housing (including the housing shared by the borrower, spouse and purchaser, the same below), and then buys a second set of housing (including the stock house and the mortgage), if the housing provident fund loan is used, the loan amount shall not be higher than 40% of the total price of the purchased housing; For families who buy the third and above houses, housing provident fund loans will not be provided for the time being.
(3) The amount of remortgage loan shall not exceed 70% of the original purchase price and 60% of the total real estate appraisal price, and shall not exceed the limit of the principal balance of commercial loans;
(4) If the borrower unilaterally deposits the provident fund in Zhengzhou, the maximum single loan amount shall not exceed 300,000 yuan; If both husband and wife deposit provident fund in Zhengzhou, the maximum amount of a single loan shall not exceed 400,000 yuan. The maximum loan limit of Shang Jie sub-center and county (city) management department is 300,000 yuan.
(5) The specific loan amount of the borrower is determined according to the above conditions in combination with the borrower's age and family income.
Calculation method of provident fund loan amount
Loan amount calculated according to repayment ability
The calculation formula is:
[(total monthly salary of the borrower, monthly contribution of the borrower's housing provident fund) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan term (month).
Depending on the number used by the 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%.
Total monthly salary = monthly contribution of provident fund ÷ (proportion of unit contribution and proportion of individual contribution).
Loan amount calculated according to house price
The calculation formula is: loan amount = house price × loan ratio.
The loan amount is calculated 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. I use my housing provident fund to apply for a housing provident fund loan, and if I normally repay the housing provident fund when applying for a loan, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is.
3. Housing accumulation fund balance 10000. How much can the provident fund borrow? I will use it to calculate. ...
If you apply for provident fund loan through China Merchants Bank, due to different policies in different cities, please contact the local provident fund loan acceptance outlets directly to confirm whether your local provident fund loan business meets the relevant regulations (such as application conditions, audit standards, real estate requirements, amount and duration, etc.).
4. My total housing accumulation fund is * * * 1 ten thousand yuan. How much can I borrow? Thank you.
Ten thousand provident fund with a maximum loan of 600 thousand. According to the instructions of Zhengzhou housing provident fund loan, the specific loan amount needs to be determined according to the balance of the deposit account and the deposit period of the provident fund. The calculation method is: loan amount ≤ deposit account balance× (14-year deposit).
Apply for provident fund loan for the first time, and the loan amount shall not exceed 600,000 yuan; In other cases, the loan amount applied for is not more than 400,000 yuan. Housing provident fund loans to buy the first family housing, the loan amount shall not be higher than 80% of the total price of the purchased property; If the purchased house is a second-hand house, the loan amount shall not be higher than 60% of the total price of the purchased house.
Housing provident fund loan to buy a second house, the total loan is not higher than 70% of the total price of the purchased property; For families who have purchased the third and above houses, families who have used provident fund loans twice or whose previous provident fund loans have not been settled, they will not apply for housing provident fund loans temporarily.
Extended data:
According to Article 3 of Zhengzhou Housing Provident Fund Loan Instructions, the longest loan period is 30 years; When buying a second-hand house that has not been built for more than 20 years, the longest loan period is 20 years, and when buying a second-hand house that has been built for more than 20 years. Maximum loan term 15 years; The loan term can cover 5 years after the borrower's statutory retirement age.
Article 4 Loan interest rate The loan interest rate shall be implemented according to the housing provident fund loan interest rate published by the People's Bank of China. When the state adjusts the interest rate, it will not adjust the interest rate in that year, and the latest interest rate will be implemented from 1 the following year. If a loan contract has been signed and there is no loan, the latest interest rate will be directly implemented when the loan is made. If a family applies for a provident fund loan for the second time, the loan interest rate is 1. 1 times of the individual housing loan interest rate of the housing provident fund in the same period. The loan interest rate paid to employees in special industries is also adjusted according to the rules stipulated in the contract.