For the loan amount of housing provident fund in Jiangxi Province, individuals pay 420 yuan every month, and the fast payment ratio is 12%. How much can he borrow?

1, your salary is 420/0. 12=3500 yuan. The Provident Fund Center determines that your salary is 65438+ the highest 0.2 times, 3500* 1.2=4200 yuan. If your spouse fails to pay the housing provident fund, the provident fund center generally does not recognize it. The provident fund center determines that the monthly repayment cannot exceed 50% of your salary.

2.56 * 0.8 = 448,000 yuan, assuming that the interest rate of provident fund loan is 4.5%, the interest after 20 years of loan is about 230,000 yuan+448 = 678,000 yuan.

3, 67.8 > 50.4, 20% down payment, the remaining 80% provident fund loans can not be done.

4. 30% down payment, 400,000 yuan loan, 20 years, the total principal and interest is more than 600,000 yuan, and the provident fund loan can't be done.

5. If the spouse fails to pay the housing provident fund, he can repay it with his own provident fund, with a maximum loan of 330,000 yuan and a down payment of 230,000 yuan.

6. Suppose the provident fund center determines that the monthly income of the spouse is 3000 yuan, the monthly income of the family is 4200+3000 = 7200 yuan, the monthly loan repayment is 7200/2 = 3600 yuan, and the down payment is 20 years, 3600 * 12 * 20 = 864000 yuan, 86.4 > 67.8 yuan.

7. The general provident fund loan amount is up to 400,000 for individuals and 500,000 for two-person families, and the service life is generally 30 years, which cannot exceed the retirement age.

8. It is recommended that your spouse pay the provident fund for more than 6 months as soon as possible, and the balance is more than 5,000 yuan, so you can repay the loan together.

9. In my humble opinion, the regulations of Jiangxi Housing Provident Fund Management Center shall prevail.

10, I wish you a successful withdrawal!