Calculation method of urban provident fund:
1. For new housing provident fund loans, the down payment ratio shall not be less than 30%?
The calculation formula of loanable amount is: the sum of individual account balances of borrowers (including borrowers who participate in the calculation of loanable amount) × 10 times, with a maximum of 700,000. ?
Note: If the sum of the balances is less than 6,543.8+0,000, it shall be calculated as 6,543.8+0,000.
2. The second use of provident fund loans, the down payment ratio is not less than 50%, the interest rate rises 1. 1 times (3.575%), and the maximum loan for families is 500,000 yuan; Individuals can borrow up to 300,000 yuan.
Calculation formula of loanable line: the sum of the balance of the borrower's personal account ×6 times.
Park-specific algorithms:
1, the monthly payment amount of housing provident fund of the loan applicant ×35% (specified proportion )×12 (month )× loan period (year).
2 to participate in the "Hundred Talents Program" or the introduction of other special talents in the park, enjoy the preferential policy of doubling the amount of provident fund loans.
3. When the purchased new house covers an area of 90 square meters and the total price is less than 165438+ 10,000, the loan amount is 880,000.