How to check the loan limit in the provident fund center
Publish: 2021-05-19 18:40:24
1.
The loan limit of provident fund can be calculated by formula or inquired by the local bank provident fund office with the provident fund passbook. The calculation formula is as follows:
1. The loan limit calculated according to the loan repayment ability is
[(total monthly wage of the borrower + monthly deposit of housing provident fund of the borrower's unit) × Repayment ability coefficient - total monthly repayment amount of the borrower's existing loan] × Loan term (months)
2. According to the amount of spouse used
[(total monthly salary of both husband and wife + monthly deposit of housing provident fund of both husband and wife's unit) × Repayment ability coefficient - total amount of monthly repayable loan of both husband and wife] × Loan term (months)
the loan repayment ability coefficient is 40%
monthly total salary = monthly payment of provident fund ÷( Unit deposit ratio + indivial deposit ratio)
3. The calculation formula of loan amount according to house price is: loan amount = house price × Loan ratio
4. The loan limit calculated according to the maximum amount of loan
if you apply for housing provident fund loan with your own housing provident fund, the maximum amount of loan is 400000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loan, the maximum loan limit is 600000 yuan
If I use my own housing provident fund to apply for housing provident fund loan, and I normally deposit supplementary housing provident fund when applying for loan, the maximum loan limit is 500000 yuan; If the spouse's housing provident fund is used to apply for housing provident fund loan at the same time, and he or his spouse normally deposits supplementary housing provident fund when applying for loan, the maximum loan limit is 700000 yuan
extended information:
provident fund loan
interest rate advantage
provident fund loan interest rate is adjusted and released by the people's Bank of China. Since August 26, 2015, the people's Bank of China has lowered the benchmark interest rates for RMB loans and deposits of financial institutions. The deposit and loan interest rates of indivial housing provident fund will be adjusted accordingly. After adjustment, the annual interest rate of personal housing provident fund loan is 2.75% for the period of less than five years (including five years), and 3.25% for the period of more than five years
Loan advantages
housing provident fund loan is not only widely used in the purchase of new houses, but also widely used in the purchase of second-hand houses. As the annual interest rate of provident fund loan is only 3.25% [2], which is 1.65 percentage points lower than the current commercial loan interest rate of 4.9%, a common concept has been formed in the minds of most house buyers: using provident fund loan is cheaper than using commercial loan
The advantages of provident fund loan are not only limited to the preferential interest rate, but also the advantages of high loan amount, long term, flexible and convenient repayment2. There are many ways to calculate the amount of provident fund. The amount can be calculated according to the value of the house purchased by the borrower, or according to the maximum amount of provident fund loan. The final amount of loan is different according to different calculation methods. The calculation method of housing value: loan amount = total housing value * loan proportion. Generally speaking, when the area of a house is more than 90 square meters, the loan amount shall not exceed 70% of the real estate value, and when the building area is less than 90 square meters, the loan amount shall not exceed 80% of the housing value. The calculation method of the maximum amount of loan: if the user uses the provident fund for loan, then the maximum amount of loan is 500000 yuan. If both husband and wife have provident fund, then they use the provident fund for loan at the same time. At this time, the maximum amount of loan of provident fund is 700000 yuan
legal basis: Regulations on the administration of housing provident fund
employees can withdraw the balance in the housing provident fund account under one of the following circumstances:
1. Purchase, construction, renovation and overhaul of self occupied housing
2
3. Completely losing the ability to work and terminating the labor relationship with the unit
4< 5. Repaying the principal and interest of the self occupied housing loan
6 If the employee and his / her spouse have no own housing and rent public rental housing or commercial housing in Beijing, they can draw the housing accumulation fund of both husband and wife to pay the rent.)< 7. Those who are living in difficulties and receiving the urban minimum living allowance
8. Family life is seriously difficult e to unexpected events< 9. Migrant workers who terminate labor relations with their units< (10) those who are sentenced to death, life imprisonment or fixed-term imprisonment while in office and reach the national legal retirement age at the end of the term of imprisonment
11. Dead or declared dead
if the employee withdraws the housing provident fund in accordance with Article 4 1, 5, 6, 7 and 8 of the measures, the spouse can withdraw the housing provident fund in his own account at the same time.
legal basis: Regulations on the administration of housing provident fund
employees can withdraw the balance in the housing provident fund account under one of the following circumstances:
1. Purchase, construction, renovation and overhaul of self occupied housing
2
3. Completely losing the ability to work and terminating the labor relationship with the unit
4< 5. Repaying the principal and interest of the self occupied housing loan
6 If the employee and his / her spouse have no own housing and rent public rental housing or commercial housing in Beijing, they can draw the housing accumulation fund of both husband and wife to pay the rent.)< 7. Those who are living in difficulties and receiving the urban minimum living allowance
8. Family life is seriously difficult e to unexpected events< 9. Migrant workers who terminate labor relations with their units< (10) those who are sentenced to death, life imprisonment or fixed-term imprisonment while in office and reach the national legal retirement age at the end of the term of imprisonment
11. Dead or declared dead
if the employee withdraws the housing provident fund in accordance with Article 4 1, 5, 6, 7 and 8 of the measures, the spouse can withdraw the housing provident fund in his own account at the same time.
3. Generally, it is to log on the official website of the local provident fund management center to inquire about the calculation method. It is suggested that we should go to the provident fund center for on-site calculation
4. 1. It is calculated by the balance of indivial housing accumulation fund account. The loan amount of the limited price commercial housing or affordable housing and the first self owned housing (if the account balance is less than 20000 yuan, it shall be calculated as 20000 yuan) shall not be higher than 20 times of the balance of the provident fund account. Loan to buy a second house; Purchase of public housing; For those who build, rebuild or overhaul their own houses on rural collective land, the loan amount shall not be more than 10 times of the balance of the provident fund account
2. The calculation is based on the price of the house itself, which generally needs to be calculated according to the formula of the house price multiplied by the loan ratio. The loan amount of commercial housing, price limited commercial housing, targeted resettlement affordable housing, targeted sales affordable housing or private housing shall not exceed 80% of the housing price; No more than 70% of the second and other self owned housing, public housing, and self owned housing built, rebuilt, or overhauled on rural collective land that meet the conditions of house purchase; At the same time, the targeted resettlement of affordable housing should not be higher than the difference between the total price of the housing purchased and the housing compensation
3. The specific calculation formula of the loan applicant's own loan is: the borrower's total monthly salary + the borrower's unit's housing provident fund monthly deposit) × 40% - total monthly repayable amount of the borrower's existing loan] × Loan term (months); If the husband and wife make a joint loan, the specific calculation formula is as follows: (the total monthly salary of the husband and wife + the monthly deposit of the housing provident fund of the unit where the husband and wife work) × 40% - total monthly repayable amount of existing loans between husband and wife] × Loan term (month), and monthly total salary = monthly payment of provident fund ÷ Unit deposit ratio + indivial deposit ratio)
4. The loan limit calculated according to the high loan limit. Using my housing provident fund to apply for housing provident fund loan, there are relevant regulations about the high limit of loan, you can check the official website of housing provident fund.
2. The calculation is based on the price of the house itself, which generally needs to be calculated according to the formula of the house price multiplied by the loan ratio. The loan amount of commercial housing, price limited commercial housing, targeted resettlement affordable housing, targeted sales affordable housing or private housing shall not exceed 80% of the housing price; No more than 70% of the second and other self owned housing, public housing, and self owned housing built, rebuilt, or overhauled on rural collective land that meet the conditions of house purchase; At the same time, the targeted resettlement of affordable housing should not be higher than the difference between the total price of the housing purchased and the housing compensation
3. The specific calculation formula of the loan applicant's own loan is: the borrower's total monthly salary + the borrower's unit's housing provident fund monthly deposit) × 40% - total monthly repayable amount of the borrower's existing loan] × Loan term (months); If the husband and wife make a joint loan, the specific calculation formula is as follows: (the total monthly salary of the husband and wife + the monthly deposit of the housing provident fund of the unit where the husband and wife work) × 40% - total monthly repayable amount of existing loans between husband and wife] × Loan term (month), and monthly total salary = monthly payment of provident fund ÷ Unit deposit ratio + indivial deposit ratio)
4. The loan limit calculated according to the high loan limit. Using my housing provident fund to apply for housing provident fund loan, there are relevant regulations about the high limit of loan, you can check the official website of housing provident fund.
5. You can go to the designated bank's loan service center for on-site confirmation and inquiry. You can also make inquiries at the credit reference Office of China CITIC Bank. At the same time, we can also make telephone inquiries for the banks we loan. There are many ways to login and query correctly through mobile phone and app.
6. 1, first of all, the first step is to enter the provident fund on the front page of Alipay. Here you will find the city's provident fund management
2. Then click on it and then there will be a pop-up. Click on the pop-up to enter the home page of the provident fund loan
3, then enter your ID card and password, click on login. If there is no account, you need to go to the registration number of the local provident fund center on the computer version
4. After entering the provident fund management, click my provident fund loan
5. After entering my provident fund loan, you can see the above loanable amount, and click loanable amount
6. Then you will enter the information entry interface, where you need to select your own housing type, Then select the area, the total price of the house, the down payment amount, and then click Submit
7. Finally, you can find out the amount of the loan you can make now
if you apply for housing provident fund loan with your own housing provident fund, the maximum loan limit is 400000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loan, the maximum loan limit is 600000 yuan. If I apply for housing provident fund loan with my own housing provident fund, and I normally deposit supplementary housing provident fund when applying for loan, the maximum loan limit is 500000 yuan; If the spouse's housing provident fund is used to apply for housing provident fund loan at the same time, and he or his spouse normally deposits supplementary housing provident fund when applying for loan, the maximum loan limit is 700000 yuan.
2. Then click on it and then there will be a pop-up. Click on the pop-up to enter the home page of the provident fund loan
3, then enter your ID card and password, click on login. If there is no account, you need to go to the registration number of the local provident fund center on the computer version
4. After entering the provident fund management, click my provident fund loan
5. After entering my provident fund loan, you can see the above loanable amount, and click loanable amount
6. Then you will enter the information entry interface, where you need to select your own housing type, Then select the area, the total price of the house, the down payment amount, and then click Submit
7. Finally, you can find out the amount of the loan you can make now
if you apply for housing provident fund loan with your own housing provident fund, the maximum loan limit is 400000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loan, the maximum loan limit is 600000 yuan. If I apply for housing provident fund loan with my own housing provident fund, and I normally deposit supplementary housing provident fund when applying for loan, the maximum loan limit is 500000 yuan; If the spouse's housing provident fund is used to apply for housing provident fund loan at the same time, and he or his spouse normally deposits supplementary housing provident fund when applying for loan, the maximum loan limit is 700000 yuan.
7. The maximum amount and ration of provident fund loans are as follows:
1. The maximum amount of provident fund personal loans is 400000 yuan (the maximum amount of provident fund personal loans in other counties is 300000 yuan)
2. For the first self occupied house with a floor area of less than 90 square meters, the down payment ratio shall not be less than 20% of the total purchase price; For the purchase of the first self occupied house with a construction area of more than 90 square meters, the down payment ratio shall not be less than 30% of the total purchase price
3. For the second self occupied house, the down payment ratio shall not be less than 60% of the total purchase price, and the interest rate shall be 1.1 times of the benchmark interest rate
4. The total purchase price of second-hand housing is the lowest value of transaction and evaluation value
5. The maximum amount of portfolio loans (excluding counties) is 750000 yuan, of which the maximum amount of provident fund loans is 400000 yuan, and the maximum amount of commercial bank mortgage loans is 350000 yuan
6. The loan period of provident fund is 1-30 years, and the loan period plus the borrower's age shall not exceed the national legal retirement age
7. In the portfolio loan, the term of bank mortgage loan should be the same as that of provident fund loan, whether there are two sets of strict principles
after the implementation of the new personal loan policy, how is the portfolio loan policy regulated
after the implementation of the new personal loan policy, if the loan amount exceeds the specified maximum limit of indivial loan for housing provident fund, the combination loan can be applied for, and the maximum limit of the combination loan (excluding the counties under its jurisdiction) is 850000 yuan for one person and 1050000 yuan for two people. Among them, the maximum amount of personal loan for housing provident fund is 500000 yuan for one person and 700000 yuan for two people; The maximum amount of commercial loans is 350000 yuan
If an applicant for provident fund loan has outstanding personal commercial loan and guaranteed loan, what should he do when applying for provident fund loan< When applying for provident fund loans, applicants who have settled provident fund loans and whose personal commercial loans and guaranteed loans have not been settled shall dect the balance of personal commercial loans and guaranteed loans from the available loan amount and then verify their actual loan amount.
1. The maximum amount of provident fund personal loans is 400000 yuan (the maximum amount of provident fund personal loans in other counties is 300000 yuan)
2. For the first self occupied house with a floor area of less than 90 square meters, the down payment ratio shall not be less than 20% of the total purchase price; For the purchase of the first self occupied house with a construction area of more than 90 square meters, the down payment ratio shall not be less than 30% of the total purchase price
3. For the second self occupied house, the down payment ratio shall not be less than 60% of the total purchase price, and the interest rate shall be 1.1 times of the benchmark interest rate
4. The total purchase price of second-hand housing is the lowest value of transaction and evaluation value
5. The maximum amount of portfolio loans (excluding counties) is 750000 yuan, of which the maximum amount of provident fund loans is 400000 yuan, and the maximum amount of commercial bank mortgage loans is 350000 yuan
6. The loan period of provident fund is 1-30 years, and the loan period plus the borrower's age shall not exceed the national legal retirement age
7. In the portfolio loan, the term of bank mortgage loan should be the same as that of provident fund loan, whether there are two sets of strict principles
after the implementation of the new personal loan policy, how is the portfolio loan policy regulated
after the implementation of the new personal loan policy, if the loan amount exceeds the specified maximum limit of indivial loan for housing provident fund, the combination loan can be applied for, and the maximum limit of the combination loan (excluding the counties under its jurisdiction) is 850000 yuan for one person and 1050000 yuan for two people. Among them, the maximum amount of personal loan for housing provident fund is 500000 yuan for one person and 700000 yuan for two people; The maximum amount of commercial loans is 350000 yuan
If an applicant for provident fund loan has outstanding personal commercial loan and guaranteed loan, what should he do when applying for provident fund loan< When applying for provident fund loans, applicants who have settled provident fund loans and whose personal commercial loans and guaranteed loans have not been settled shall dect the balance of personal commercial loans and guaranteed loans from the available loan amount and then verify their actual loan amount.
8. If it is personal provident fund loan line, according to your provident fund balance, as well as your payment time to determine the amount
the loan amount of provident fund
how to calculate the loan limit of provident fund? How much can the maximum amount of provident fund loan be
the loan line of provident fund refers to the maximum loan line that a borrower can apply for when applying for provident fund loan. The loan line is comprehensively evaluated according to the provident fund account, credit status of the borrower, income level, repayment ability, etc. And the amount of credit is not consistent under different evaluation methods:
1&# 160; According to the housing price: loan amount = housing price * loan ratio
2&# 160; Calculated according to the income level:
[(total monthly salary of the borrower + monthly deposit of housing provident fund of the borrower's unit) × Repayment ability coefficient - total monthly repayment amount of the borrower's existing loan] × Loan term (months)< br />
3. &# 160; According to the loan ceiling
basically, the loan ceiling shall not exceed 80% of the total house price< br />
4. &# 160; According to the deposit period of the provident fund, the longer the deposit period of the provident fund is, the larger the annual accumulated amount is, the higher the loan amount is. At the same time, the loan amount of the provident fund is also related to the remaining working years before retirement< (1) if the borrower continuously deposits the housing provident fund in full, the maximum loan amount shall not exceed 500000 yuan; If the borrower and his spouse pay the housing provident fund in full at the same time, the maximum amount of loan shall not exceed 700000 yuan
Second, the loan amount of the first house shall not exceed 70% of the total price of the house purchased, the loan amount of the second house shall not exceed 50% of the total price of the house purchased, and the loan amount of the fine decoration house shall not exceed 60% of the total price of the house purchased< Third, the loan limit shall not be higher than the comprehensive amount determined according to the deposit time of the provident fund and the balance of the deposit account. If the deposit of the spouse's provident fund is abnormal, the part of the spouse's provident fund will not be included in the calculation
housing provident fund loan is a kind of loan enjoyed by employees who deposit housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for personal housing provident fund loan according to relevant regulations of housing provident fund loan
commercial loans are called indivial housing loans, which are commercial banks and housing savings banks approved by the people's Bank of China to provide loans for urban residents to purchase ordinary houses for their own use, and implement the legal loan interest rate< The difference between provident fund loan and commercial loan is that the interest rate of loan is different
the benchmark interest rate of commercial loan is 4.9% and that of provident fund loan is 3.25%
the second difference: the loan ratio is different
for the same house, if the commercial loan in the city is 70% for the first house, then the pure provident fund loan can be 80% for the first house at most
the third difference: the loan process is different
when applying for commercial loan, the loan should be reviewed before the transfer of ownership, while the loan for provident fund should be reviewed after the transfer of ownership.
the loan amount of provident fund
how to calculate the loan limit of provident fund? How much can the maximum amount of provident fund loan be
the loan line of provident fund refers to the maximum loan line that a borrower can apply for when applying for provident fund loan. The loan line is comprehensively evaluated according to the provident fund account, credit status of the borrower, income level, repayment ability, etc. And the amount of credit is not consistent under different evaluation methods:
1&# 160; According to the housing price: loan amount = housing price * loan ratio
2&# 160; Calculated according to the income level:
[(total monthly salary of the borrower + monthly deposit of housing provident fund of the borrower's unit) × Repayment ability coefficient - total monthly repayment amount of the borrower's existing loan] × Loan term (months)< br />
3. &# 160; According to the loan ceiling
basically, the loan ceiling shall not exceed 80% of the total house price< br />
4. &# 160; According to the deposit period of the provident fund, the longer the deposit period of the provident fund is, the larger the annual accumulated amount is, the higher the loan amount is. At the same time, the loan amount of the provident fund is also related to the remaining working years before retirement< (1) if the borrower continuously deposits the housing provident fund in full, the maximum loan amount shall not exceed 500000 yuan; If the borrower and his spouse pay the housing provident fund in full at the same time, the maximum amount of loan shall not exceed 700000 yuan
Second, the loan amount of the first house shall not exceed 70% of the total price of the house purchased, the loan amount of the second house shall not exceed 50% of the total price of the house purchased, and the loan amount of the fine decoration house shall not exceed 60% of the total price of the house purchased< Third, the loan limit shall not be higher than the comprehensive amount determined according to the deposit time of the provident fund and the balance of the deposit account. If the deposit of the spouse's provident fund is abnormal, the part of the spouse's provident fund will not be included in the calculation
housing provident fund loan is a kind of loan enjoyed by employees who deposit housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for personal housing provident fund loan according to relevant regulations of housing provident fund loan
commercial loans are called indivial housing loans, which are commercial banks and housing savings banks approved by the people's Bank of China to provide loans for urban residents to purchase ordinary houses for their own use, and implement the legal loan interest rate< The difference between provident fund loan and commercial loan is that the interest rate of loan is different
the benchmark interest rate of commercial loan is 4.9% and that of provident fund loan is 3.25%
the second difference: the loan ratio is different
for the same house, if the commercial loan in the city is 70% for the first house, then the pure provident fund loan can be 80% for the first house at most
the third difference: the loan process is different
when applying for commercial loan, the loan should be reviewed before the transfer of ownership, while the loan for provident fund should be reviewed after the transfer of ownership.
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