How much is the amount of provident fund loan? How to calculate the amount of provident fund loan
Now most of my friends buy a house through loans, so the pressure will be relatively small, but what is the calculation method of provident fund loan line? Many people are confused about this problem. Only when they know how to calculate, can they know how much the provident fund loan line is? In fact, the amount of provident fund loans to buy a house has a lot to do with you. Some people are higher, while others are lower, so we must calculate in advance. Now, let's follow Xiaobian to understand the specific method of calculation.
What is the calculation method of provident fund loan line
How to calculate the amount of provident fund loan in 2018? Seeing that some people's amount is different from their own, in fact, your monthly income will also affect your housing loan amount. Housing provident fund loan amount and many factors, in the end with which factors?
1. The loan limit is relatively high. Generally, every city has a high limit of provident fund loan. In some cities, the amount of individual and husband and wife will be different. For example, when buying the first suite in Nanjing, the individual can borrow 500000 yuan per person, and the couple can borrow 1 million yuan per household. Local provident fund centers will make adjustments to increase or decrease the amount according to their own lending conditions and business objectives.
2. For second-hand housing, in addition to the high limit, the down payment ratio and the appraisal price of the house will also affect the amount of provident fund loans. For example, the down payment ratio of the first housing loan in Beijing is 20%, and the loan amount for buying a million yuan house is & le; 100-100x20% = 800000, so the loan amount of provident fund should not exceed the amount of housing appraisal price minus down payment.
How much is the amount of provident fund loan
The starting line of provident fund loan is 50000 yuan. The amount of loan is 480000 yuan for individual deposit of provident fund, and 700000 yuan for both husband and wife deposit of provident fund. Among them, if both husband and wife normally pay for 6 months, the loan amount of personal provident fund of the borrower and spouse within the range of no more than 480000 yuan shall be calculated respectively. The family loan amount = the loan amount of the borrower + the loan amount of the spouse, and no more than 700000 yuan.
If the spouse deposits normally but has not paid for 6 months, or the deposit status is abnormal, the amount of loan available shall not be calculated, and the higher amount of loan available for the family shall not exceed 480000; if the spouse deposits normally but has not paid for 6 months, the deposit base shall be included in the calculation of the supply-income ratio of the family income. After reading this, you should know the amount of the couple's provident fund loan.
The loan limit shall be calculated according to the coefficient which shall not be higher than the repayment ability of the borrower (including the spouse). The calculation formula is: the sum of monthly wage income of the borrower's husband and wife * 12 months * 35% * loan period (if the borrower's spouse fails to pay the housing provident fund normally, the monthly wage income in the formula does not include the spouse). If only one of the husband and wife of the borrower deposits the housing provident fund normally, the loan limit shall not exceed 50% of the total price of the house.
How much is provident fund loan line? The above has made a specific introduction, I believe you should know it. In fact, the amount of provident fund loan is high or low, which depends on the amount of provident fund and the individual's repayment ability. Therefore, we must understand the calculation method of provident fund loan in advance. In this way, we can calculate the specific amount more accurately and choose the suitable loan method.