Chenzhou provident fund loan amount

How to calculate the amount of provident fund loans?

The calculation of specific provident fund loan amount should be determined according to four conditions: repayment ability, the proportion of provident fund loans to house prices, the balance of housing provident fund account and the maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of borrowers.

1, calculated by solvency:

Monthly repayment amount = sum of monthly accumulation fund deposit bases of both husband and wife ×50%.

2. According to the deposit balance:

Loan amount = (borrower's provident fund deposit balance × deposit time coefficient+spouse's provident fund deposit balance × deposit time coefficient) × 10 times. (If the account balance is less than 10000 yuan, it shall be calculated as 10000 yuan).

How to calculate the amount of provident fund loans? What about provident fund loans?

What about provident fund loans?

"Approval Form for Housing Provident Fund Loan Application" in triplicate (to be filled in at the local housing provident fund management center). 3 originals and photocopies of the household registration book, resident ID card and marriage certificate of the borrower and spouse; Singles need to provide the original and photocopy of the single certificate and divorce certificate issued by the civil affairs department.

Legal and valid original purchase contract in triplicate. 3 copies of the business license of the housing development unit, the pre-sale permit of commercial housing (forward delivery), the sales permit of commercial housing, the certificate of completion acceptance and the certificate of big house.

2. In case of mortgage or pledge guarantee, the original and three copies of the ownership certificate of the mortgaged property or pledge right, and three originals of the written certificate of consent of the disposition holder to mortgage (pledge) shall be provided.

3. Where the guarantee is involved, the guarantor shall issue three originals of the written commitment to provide the guarantee, and provide three copies of supporting materials (including business license, financial statements for the last three years, qualification certificate, credit certificate, etc.). The guarantor has the ability to guarantee.

4. Original and three copies of down payment documents (invoices, receipts, bank receipts, cash payment orders, etc.). Prove that the borrower has paid more than the specified proportion of the house price.

5. After the above documents are fully prepared, the lender will personally go to the local housing provident fund management center to handle the loan formalities with his ID card and household registration book. Housing property ownership of more than 2 people must be present at the same time.