1, the loan amount calculated according to the repayment ability. Total deposit amount (monthly deposit amount of the housing provident fund of the borrower's unit) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan term (month). Using the housing provident fund of the work units of both husband and wife, the total monthly repayment amount of the existing loans of both husband and wife] × loan period (month). Among them, the repayment ability coefficient is 40% (unit deposit ratio and individual deposit ratio). 2. The loan amount is calculated according to the house price. The calculation formula is: loan amount, house price × loan ratio.
Legal basis:
"Regulations on the Management of Housing Provident Fund" Article 26 When employees who pay housing provident fund live in housing, they can withdraw housing provident fund loans. The housing provident fund management center shall make a loan decision of 15 from the date of accepting the application, and notify the applicant to give the loan. The risk paid by the entrusted bank is managed by the housing provident fund.
Second, the calculation of provident fund loan interest rate
The calculation of provident fund loans is as follows: (1) The interest rate conversion formula for RMB business is (note: general deposits and loans): 1. Daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷302. Monthly interest rate (‰) = annual interest rate (%) \ 1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is: interest = accumulated interest-bearing products × daily interest rate, where accumulated interest-bearing products = total daily balance. 2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term. There are three specific methods: if the interest-bearing period is a whole year (month), the interest-bearing formula is: ① interest = principal × years (months) × interest rate; If the interest-bearing period is a whole year (month) and the number of days is a decimal, the interest-bearing formula is: ② Interest = principal. Banks can choose to convert the interest period into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest calculation formula is: ③ Interest = principal × actual days × daily interest rate. These three formulas are essentially the same, but because only 360 days are calculated in one year in interest rate conversion, the results will be slightly different when calculating the actual daily interest rate. Which formula is used specifically, the central bank gives financial institutions the right to choose independently. Therefore, the parties and financial institutions can agree on this in the contract. (3) Compound interest: Compound interest means adding interest at a certain interest rate. According to the regulations of the central bank, if the borrower fails to repay the interest at the time agreed in the contract, it will be charged with compound interest. (4) Penalty interest: If the lender fails to repay the bank loan within the prescribed time limit, the penalty interest paid by the bank to the defaulter according to the contract signed with the parties is called bank penalty interest. (V) loans overdue liquidated damages: penalties for the defaulting party with the same nature as penalty interest. (6) Formulating and filing the interest-bearing settlement rules and methods for deposit and loan business formulated by national commercial banks as legal persons, and reporting them to the head office of China People's Bank for filing and notifying customers; Regional commercial banks and urban credit cooperatives should be reported to the branches of the People's Bank of China and the central branch of the provincial capital for the record, and inform customers; County rural credit cooperatives as legal persons may, according to the actual situation of the county rural credit cooperatives, formulate the rules for interest calculation and settlement and the interest-bearing measures for deposit and loan business, and report them to the branch of the People's Bank of China and the central branch of the provincial capital for the record, and the rural credit cooperatives as legal persons shall notify the customers. (7) Reference: 1. Provisions on the administration of RMB interest rate. 199977).2. Notice of the People's Bank of China on issues related to RMB loan interest rate. 200325 1).3. Notice of the People's Bank of China on Interest Calculation and Settlement of RMB Deposits and Loans (Yinfa [2004]10/No. 2005 129).
3. What is the ratio of the monthly repayment of principal and interest of the provident fund?
The specific situation is different.
1. What is the monthly interest and principal of the provident fund loan?
Take the provident fund loan of 200,000 yuan and pay it off in five years as an example.
At present, the annual interest rate of provident fund loans with a term of five years or less is 2.75%. Under the condition of constant interest rate, the repayment method of equal principal and interest is adopted, and the monthly repayment amount is 835,765,438+0.56 yuan; Using the average capital method, the monthly repayment amount is 37,965,438+0.67 yuan (for reference only), and the monthly repayment amount decreases month by month.
Second, provident fund loans.
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.
Three, the calculation of provident fund loan interest
(1) The interest rate conversion formula for RMB business is (note: common for deposits and loans):
1. daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷30.
2. Monthly interest rate (‰) = annual interest rate (%)÷ 12
(two) banks can use the product interest method and the transaction interest method to calculate interest.
1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is:
Interest = cumulative interest-bearing product × daily interest rate, where cumulative interest-bearing product = total daily balance.
2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:
If the interest-bearing period is a whole year (month), the interest-bearing formula is:
① Interest = principal × year (month )× year (month) interest rate
If the interest-bearing period is a whole year (month) and days, the interest-bearing formula is:
② Interest = principal × year (month) × year (month) interest rate principal × odd days × daily interest rate.
At the same time, banks can choose to convert all interest-bearing periods into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is as follows:
③ Interest = principal × actual days × daily interest rate
These three formulas are essentially the same, but because the interest rate conversion is only 360 days a year, when calculating the actual daily interest rate, it will be calculated as 365 days a year, and the result will be slightly biased. Which formula is used specifically, the central bank gives financial institutions the right to choose independently. Therefore, the parties and financial institutions can agree on this in the contract.
(3) Compound interest: Compound interest means adding interest at a certain interest rate. According to the regulations of the central bank, if the borrower fails to repay the interest at the time agreed in the contract, it will be charged with compound interest.
(4) Penalty interest: If the lender fails to repay the bank loan within the prescribed time limit, the penalty interest paid by the bank to the defaulter according to the contract signed with the parties is called bank penalty interest.
(V) loans overdue liquidated damages: penalties for the defaulting party with the same nature as penalty interest.
(six) the formulation and filing of interest calculation methods
The interest-bearing settlement rules and methods for deposit and loan business formulated by national commercial banks as legal persons shall be reported to the head office of the People's Bank of China for the record, and the customers shall be informed; Regional commercial banks and urban credit cooperatives should be reported to the branches of the People's Bank of China and the central branch of the provincial capital for the record, and inform customers; County rural credit cooperatives as legal persons may, according to the actual situation of the county rural credit cooperatives, formulate the rules for interest calculation and settlement and the interest-bearing measures for deposit and loan business, and report them to the branch of the People's Bank of China and the central branch of the provincial capital for the record, and the rural credit cooperatives as legal persons shall notify the customers.
Four, the calculation of provident fund loan interest rate
Take 200,000 years as an example.
The current interest rate of provident fund loans was adjusted and implemented on July 7, 20 1 1 year. The interest rate of provident fund loans for more than five years is 4.90%, and the monthly interest rate is 4.90%/ 12.
200,000 yuan, 20 years (240 months), monthly repayment:
2000004.90%/ 12 ( 14.90%/ 12) 240/[( 14.90%/ 12) 240- 1] = 65438.
Total interest:1308.89240-200000 =114134.
Description: 240 is the power of 240.