I. Calculation method of loan amount
Approved loan employee housing provident fund personal housing loan amount is calculated in the following way, taking the lowest value.
(1) According to the repayment ability of the borrower:
Monthly repayment amount = sum of deposit bases of both husband and wife × 50%;
(two) according to the personal account balance and deposit time:
Loan amount = (borrower's provident fund account balance+spouse's provident fund account balance) × 10/0× deposit time coefficient (if the account balance is less than 10000 yuan, it shall be calculated as 10000 yuan);
The comparison between deposit time (month) and deposit time coefficient is as follows:
6< deposit time ≤ 12 deposit time coefficient is 0.7;
12 & lt； The deposit time is ≤24, and the deposit time coefficient is1.0;
24< deposit time ≤36 deposit time coefficient is1.1;
36< The deposit time is ≤48, and the deposit time coefficient is1.2;
48< The deposit time is ≤60, and the deposit time coefficient is1.5;
60< deposit time The deposit time coefficient is 2.
Two. The balance of the borrower's housing provident fund account shall be subject to the balance of the account normally remitted from the date of opening the account.
Three, employees who have not used the housing provident fund, the minimum amount of housing provident fund loans is approved by 654.38+0.5 million yuan; For employees who have used the housing provident fund, the minimum loan amount of the housing provident fund is 654.38+10,000 yuan.
Four, the loan amount can be applied for is not higher than the loan limit determined by the proportion of the total housing price.