Go to the provident fund center to calculate the amount

1. Housing provident fund loan amount can be determined by comprehensive calculation
the calculation of the loan limit of the housing provident fund should be based on four conditions: the ability to repay the loan, the percentage of house price, the balance of the housing provident fund account and the maximum loan limit. The minimum value of the four conditions is the maximum loan amount of the borrower
the calculation method is as follows:
according to the calculation formula of loan repayment ability, {(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} × Term of loan (month), amount of spouse {(total monthly salary of both husband and wife + monthly deposit of housing provident fund of both husband and wife's unit) × Repayment ability coefficient - the total amount of monthly repayable loan between husband and wife} × Loan term (months). Among them, the loan repayment ability coefficient is 40%, and the total monthly salary = the monthly payment of provident fund ÷ Unit deposit ratio + indivial deposit ratio)
according to the housing price calculation formula, the loan amount = the housing price × The loan ratio is determined according to the different types of houses and the number of loan sets
according to the account balance, if the employee applies for the housing provident fund loan, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when the employee applies for the loan (simultaneously applying for the housing provident fund loan with the spouse's housing provident fund, which is the sum of the balance of the employee and the spouse's housing provident fund account). If the housing provident fund account balance is less than 20000, it shall be calculated as 20000
according to the maximum limit, if I apply for the housing provident fund loan with my own housing provident fund, the maximum limit is 400000 yuan; if I apply for the housing provident fund loan with my spouse's housing provident fund, the maximum limit is 600000 yuan; if I apply for the housing provident fund loan with my own housing provident fund, and I normally deposit the supplementary housing provident fund when applying for the loan, The maximum loan limit is 500000 yuan, and the maximum loan limit is 700000 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.

2. The unit needs to issue the ID number of the person to pay the base of the provident fund every month and the proportion of the provident fund payment. And in the unit provident fund payment time and other information. Of course, the payer should be clearly stated and sealed.

3. The calculation of the specific amount of provident fund loan should be determined according to the four conditions: the ability to repay the loan, the housing price ratio of provident fund loan, the balance of housing provident fund account and the maximum amount of loan. The minimum value calculated by the four conditions is the maximum amount that the borrower can borrow. The calculation method is as follows:
the loan amount calculated according to the loan repayment ability: [(the borrower's total monthly salary + the borrower's unit's housing provident fund monthly deposit amount) × Repayment ability coefficient - total monthly repayment amount of the borrower's existing loan] × Loan term (months). If spouse quota is used, [(total monthly salary of both husband and wife + monthly deposit of housing provident fund of both husband and wife's units) × Repayment ability coefficient - total amount of monthly repayable loan of both husband and wife] × Loan term (months). Among them, the loan repayment ability coefficient is 40%, and the total monthly salary = the monthly payment of provident fund ÷ Unit deposit ratio + indivial deposit ratio)
loan line calculated according to house price: loan line = house price × Loan ratio. The loan ratio is determined according to the different types of houses and the number of loan sets
according to the loan amount calculated by the balance of the housing provident fund account, if an employee applies for the housing provident fund loan, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when the employee applies for the loan (at the same time, the spouse's housing provident fund is used to apply for the housing provident fund loan, which is the sum of the balance of the employee's and spouse's housing provident fund account), If the balance of housing provident fund account is less than 20000, it shall be calculated as 20000
according to the loan limit calculated by the maximum loan limit, 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.

4. Indivial housing provident fund loan of Bank of China refers to the loan issued by local housing provident fund management centers using housing provident fund to entrust commercial banks to deposit housing provident fund for purchasing, constructing, renovating and overhauling houses. Indivial housing provident fund portfolio loan refers to the loan issued by the entrusted bank to the borrower in the combination of indivial housing provident fund loan and commercial indivial housing loan when the borrower's application for indivial housing provident fund loan is insufficient to pay for the purchase of housing. Due to the differences in policies and requirements of housing provident fund management centers for indivial housing provident fund loans, please consult the provident fund loan business office or the local provident fund management center
the above contents are for your reference. Please refer to the official website of BOC for the latest business changes
if you have any questions, you are welcome to consult the online customer service of Bank of China or download the mobile banking app of Bank of China.

5. The calculation formula of housing provident fund loan amount is:

[(borrower's total monthly salary + borrower's unit housing provident fund monthly deposit amount) × Repayment ability coefficient - total monthly repayment amount of the borrower's existing loan] × Loan term (months)

in addition, it should be noted that the amount of loans for purchasing various types of housing should not exceed the corresponding proportion, and the proportion is as follows:

commercial housing: 80% of the total amount of housing funds<

current housing: 70% of the total housing fund<

second hand house and mortgage purchase: 60% of the lower transaction price and appraisal price;

6.

using the online app, you can query the amount of your own provident fund loan . Search the provident fund loan query in the network app, and query the provident fund related account information by brushing the face< it is very convenient to use small programs in the network app to query relevant information through its face brushing authentication . In addition, these small programs are the national government service platform to ensure the user's personal privacy information without fear of leakage

the specific methods are as follows:

1. Open the network app and enter the provident fund loan query in the search box

precautions:

1. The ID card filled in should be consistent with the identity of face brushing authentication

2. You need a provident fund account to query, but you can't query without a provident fund account

7. There are differences in different cities. It is recommended to contact the local provident fund management center for verification. Taking Shenzhen CMB's commercial loan plus provident fund loan as an example, the amount of housing provident fund loan is 14 times of the balance of provident fund account for calculating the loanable amount, and the following conditions must be met:
1.
the total monthly repayment of loan principal and interest (principal and interest calculated by equal principal and interest repayment method) shall not exceed 50% of the applicant's housing provident fund deposit base. The deposit base of CO applicants participating in the quota calculation can be accumulated
2. The loan amount of housing provident fund shall not be higher than the difference between the total purchase price and the down payment<
3.
for indivial employees, the maximum amount of provident fund loan for single housing is 500000 yuan; If the applicant and the co applicant apply together, and the co applicant participates in the calculation of the amount, the maximum amount of provident fund loan for a single housing is 900000 yuan
if the applicant or co applicant has not withdrawn the housing provident fund for more than three consecutive years before applying for the provident fund loan, the loan amount calculated according to the balance of each person's provident fund account can be increased by 10%, but other conditions specified in the preceding paragraph should be met.

8. Due to the differences in policies and requirements of housing provident fund management centers for indivial housing provident fund loans, please consult the provident fund loan business office of Bank of China or the local provident fund management center
the above contents are for your reference. Please refer to the official website of BOC for the latest business changes
if you have any questions, you are welcome to consult the online customer service of Bank of China or download the mobile banking app of Bank of China.