Hefei provident fund loan amount calculation method and provident fund minimum standard regulations

The calculation of the provident fund loan, according to the ability to repay the loan, the house price into the number of housing prices, housing provident fund account balance and the loan maximum limit of four conditions to determine, where the minimum value of the four conditions calculated is the maximum amount of loan available to the lender. So how is the Hefei provident fund loan amount calculated, and how is the minimum standard of Hefei provident fund loan? In this article I introduce you to the knowledge about Hefei provident fund loan amount calculation issued.

First, the Hefei provident fund loan amount calculation

Maximum amount: the borrower and his spouse are in accordance with the provisions of the normal full payment of housing provident fund for more than one year, the maximum loan amount of 550,000 yuan; the borrower alone in accordance with the provisions of the housing provident fund, the maximum loan amount of 450,000 yuan, the borrower in the maximum loan amount of the loan amount of loan amount = the borrower The sum of both husband and wife's monthly salary income from housing provident fund contributions x 12 (months) x 0.5 x the actual number of years available for loan, **** the property owner and the participant in the repayment of the loan are not included in the calculation; Maximum term: 20 years; and the sum of the borrower's age and the term of the loan shall not exceed 5 years after his/her statutory retirement age, and he/she must apply for the loan before he/she is retired. You can also visit the website of Hefei Provident Fund Management Center at www.hfgjj.com公积金计算器栏, click to enter and enter your personal information for detailed calculation. If you have any other questions, please call us (CPF hotline 12329 or government hotline 12345).

Second, the new Hefei CPF loan policy

1, Hefei CPF loan maximum limit is 550,000 yuan. If an individual applies for a provident fund loan, the maximum loan amount is 450,000 yuan;

2, the maximum amount of provident fund loan is not more than 70% of the total price of the house purchased;

3, the maximum loan amount is not more than the maximum loan amount stipulated by the management center;

4, the maximum number of years of provident fund loan is 30 years and the applicant's loan period plus age The applicant's loan period plus age shall not exceed 5 years after his/her statutory retirement age;

5. The interest rate of the provident fund loan is 2.75% for loans of less than five years (including five years); and the interest rate is 3.25% for loans of more than five years;

6. The repayment methods of the provident fund loan are equal principal repayment and equal interest repayment, and the applicant can choose between the two repayment methods himself/herself;

7, the applicant in the application of provident fund loan money, you need to continuous normal full payment of housing provident fund for more than one year.