The loan interest rate is 3.75% for five years and 4.25% for more than five years.

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).

Use spouse quota:

[(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).

Second, how to calculate the monthly repayment amount of the remaining interest of the provident fund?

1, equal principal and interest method: calculation formula

Monthly repayment amount = monthly interest rate of principal [(65438+ 10 monthly interest rate) n/[(65438+ 10 monthly interest rate) n- 1]

Where n represents the loan of 240, representing the power of 240 (the loan period is 20 years and 240 months).

Monthly interest rate = annual interest rate/12

Total interest = monthly repayment, loan months-

After calculation, the monthly repayment amount is 5239.64 yuan (75 13.09 yuan each, and the total interest is 5575 13.09 yuan.

2, the average capital method: calculation of public

Monthly repayment amount = principal /n Monthly interest rate of remaining principal.

Total interest = monthly interest rate of principal (loan months /20.5)

3. How to calculate the monthly repayment amount of provident fund?

According to the loan policy, if the loan term is more than one year, the monthly repayment amount of the housing provident fund loan mainly adopts the equal principal and interest repayment method or the average principal repayment method.

(1) Matching principal and interest repayment method means that the borrower repays the loan principal and interest with the same amount every month during the repayment period. Monthly repayment amount = loan principal × monthly interest rate ×( 1 interest rate) number of repayment periods (1 interest rate) number of repayment periods-1.

(2) The average capital repayment method means that during the repayment period, the borrower repays the loan principal in equal amount every month, and the loan interest decreases month by month with the principal, and the monthly repayment amount also decreases month by month. Monthly debt service amount = loan principal, loan months (loan principal-returned loan principal) × monthly interest rate.

Four, the calculation formula of provident fund is

If you choose the repayment method of equal principal and interest, the monthly repayment amount will remain unchanged throughout the repayment period (the interest will be charged according to the actual number of days in the first month, which may be different). The calculation formula is: monthly repayment amount (principal interest) = [loan principal× monthly interest rate× (1interest rate )× repayment months ]=[( 1 interest rate )× repayment months]. If you choose the average capital repayment method, the total amount of the loan will be divided into equal parts, and then the same loan principal and the interest generated by the remaining loans in the month will be repaid every month (with the continuous repayment of customers, the monthly payment will be less and less). The calculation formula is: monthly repayment amount (principal interest) = (loan principal ÷ repayment months) (loan principal-accumulated repaid principal amount) × monthly interest rate. The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower. The calculation method is as follows: according to the repayment ability calculation formula {(total monthly salary of the borrower, monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan }× loan period (month). Usage of spouse's quota: {(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 period (month). Among them, the repayment ability coefficient is 40% of the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution). According to the house price formula, loan amount = house price × loan ratio, in which the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans: purchasing commercial houses, price-limited commercial houses, directionally placing affordable housing, directionally selling affordable housing or private housing. Workers' families (including employees, spouses and minor children, the same below) who purchase the first set of housing (including commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sale of affordable housing or private property housing) with a construction area of less than 90 square meters (including 90 square meters) shall pay a down payment of not less than 20% of the purchased housing price, and the loan amount shall not be higher than 80% of the purchased housing price; If the construction area of the purchased house exceeds 90 square meters, a down payment of not less than 30% of the purchased house price shall be paid, and the loan amount shall not be higher than 70% of the purchased house price. If an employee buys a second house with a family loan, the down payment shall not be less than 50% of the house price, and the loan amount shall not be higher than 50% of the house price. Workers' family loans to buy third and above houses will suspend the issuance of personal housing provident fund loans. When purchasing private housing, if the housing price is inconsistent with the assessed price, the lower of the two shall be the approved limit. The purchase of targeted resettlement affordable housing, the loan amount should not be higher than the difference between the total price of the purchased housing and the amount of housing compensation. The specific loan amount should also consider the maximum amount, maximum loanable amount, minimum down payment and credit rating of a single loan.