The official websites of housing provident fund centers all over the country have provident fund loan calculator services. Lenders can know how much they can borrow from their provident fund through calculation.
When calculating, you need to select information such as online signing date, individual monthly contribution of housing provident fund, contribution ratio, number of months, household registration location, marital status, total house price, purchased house area, loan term, number of houses, house nature and house area. , and then click the Start Calculation button.
How to use provident fund mortgage calculator
Now when it comes to buying a house, it will naturally talk about mortgages. Except for a few people who can pay the house price in one lump sum, most people still have to rely on mortgages to buy a house. In addition to commercial loans, provident fund loans to buy a house are also very popular ways. So how can we know how much money to pay back every month and so on? You can easily work it out with the provident fund mortgage calculator and tell you how to use it.
First of all, find a mortgage calculator, which is available on major loan websites and platforms. You can use your preferred interface. If you don't know what to do, just search for "provident fund mortgage calculator" in Baidu. The provident fund mortgage calculator used is as follows:
Then enter your provident fund loan period and loan amount, etc.
Click "Start Calculation", and the result comes out in seconds. The monthly payment, interest and total amount are all out.
Now regular units will pay a certain amount of provident fund for employees every month, and buying a house with provident fund has become the first choice for white-collar workers. Calculate the loan and repayment with the provident fund mortgage calculator to see if it suits you.
Personal provident fund loan amount calculator
China Bank's personal housing provident fund loan refers to the loan entrusted by local housing provident fund management centers to commercial banks for the purchase, construction, renovation and overhaul of housing to pay housing provident fund. Personal housing provident fund portfolio loan refers to the borrower's application for commercial personal housing loan from the entrusted bank when the personal housing provident fund loan is insufficient to pay the house purchase price, and the entrusted bank gives the borrower a combination of personal housing provident fund loan and commercial personal housing loan.
Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.
Provident fund loan amount calculator
Provident fund loan calculator is a tool to calculate the monthly repayment amount after using provident fund loans. One-time repayment of principal and interest shall be paid off together with the principal. Matching principal and interest repayment requires fixed monthly repayment. Matching principal and interest repayment is equivalent to matching principal and interest repayment. Average capital repayment method is to amortize the principal every month and pay off the interest from the previous trading day to the repayment date.
Legal basis: Article 32 of the General Principles of Loans.
The borrower shall repay the loan principal and interest in full and on time in accordance with the provisions of the loan contract. The lender shall issue a notice of repayment of principal and interest to the borrower before the short-term loan expires 1 week and the medium-and long-term loan expires 1 month; The borrower shall prepare funds in time and repay the principal and interest on schedule. The lender shall promptly issue a notice of overdue loan collection, and do a good job of overdue loan principal and interest collection. Lenders charge interest on loans that cannot be repaid within the time limit stipulated in the loan contract; If the principal and interest cannot be repaid or executed, it shall be urged to repay or bring a lawsuit. The borrower shall negotiate with the lender when repaying the loan in advance.