Provident fund loan capacity calculator

The loan amount of provident fund should be determined according to four conditions: repayment ability, proportion to house price, balance of housing provident fund account and maximum loan amount, among which the minimum value calculated by the four conditions is the maximum loanable amount of the lender.

Provident fund loan amount and its calculation method;

[(the total monthly salary of the borrower and the monthly contribution of the housing provident fund of the borrower) × repayment ability coefficient-the total monthly repayment amount of the borrower's existing loan ]× loan term (month);

Use of spouse's quota: [(total monthly salary of husband and wife, monthly contribution of housing accumulation fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan period (month);

The repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution);

The calculation formula of the loan amount calculated according to the house price is: loan amount = house price × loan ratio.

How to use the housing provident fund loan calculator?

Common tools of. The second way: learn about the project through the top left of the page.

Find loan calculator with utility in. The loan calculator includes: purchasing ability evaluation.

Estimation, matching principal and interest repayment method, average capital repayment method, prepayment calculator, tax calculator, individual housing provident fund.

Gold loan calculator. In the evaluation of purchasing power, we can know the total price of houses that can be purchased and the houses that can be purchased.

The unit price of the house, the taxes and fees related to house purchase, and the fees to be paid for bank loans objectively evaluate your ability to buy a house.

Estimate. Matching principal and interest repayment method is to repay the same amount of loans (including principal and interest) every month during the repayment period.

In this way, because the monthly repayment amount is fixed, the expenditure of family income can be controlled in a planned way, which is also convenient for every family.

Your income determines your ability to repay the loan. In the repayment method of equal principal and interest, you can learn about the situation of the house.

Total amount, total loan amount, total repayment amount, interest payment amount, down payment amount, loan months and monthly repayment amount.

Average capital's repayment method is to repay the principal in equal amount every month, and then calculate the interest according to the remaining principal, so at first, due to

If the principal is more, you have to pay more interest, so the repayment amount will be more at the beginning and will decrease every month in the following time.

The advantage of this method is that because the initial repayment amount is large, the interest expense is reduced, which is more suitable for repayment ability.

A strong family. In the average capital repayment method, you can know the total amount of housing payment, the total amount of loans,

Total repayment amount, interest payment, down payment, loan months, monthly repayment amount. In the prepayment calculator, you can

Know the original monthly repayment amount, the original final repayment period, the total repayment amount, the amount of interest paid, and the one-time repayment amount this month.

Monthly repayment from next month, saving interest expenses, a new final repayment period. You can enter the tax calculator.

Know the total house payment, stamp duty, notary fee, deed tax, property right commission fee and house selling fee.

In the personal housing provident fund loan calculator, you can know the maximum loan amount, monthly repayment amount and principal and interest.

Wait a minute. On the right side of the loan calculator page, there are housing provident fund and housing commercial loan interest rates for you to fill in.

There is an intuitive information reference. You can choose one or more of them to fill in according to your needs. Fill in the loan

The specific operation method of this calculator is the same. We will take the evaluation of purchasing power as an example to introduce the specific operation.

Methods, not one by one. The operation method is as follows: Click to enter its page. Evaluation of purchasing ability

Enter your own information in the corresponding input box, and click Start Calculation to get it.

Calculation results. If you want to fill in the information again, just click Recalculate Clear.

Empty. All the information has been re-filled.

Calculation formula of Guiyang provident fund loan amount (with loan amount calculator)

I. Calculation formula of personal housing loan amount of Guiyang housing provident fund

Since 1, April, 20265438, the personal housing calculation formula of Guiyang housing provident fund has been adjusted to: loan amount of housing provident fund = monthly deposit base of loan employees (couples) × 12× repayment ability coefficient (30%)× loan years × deposit balance of loan employees (couples) ×5.

Two, Guiyang city housing provident fund application conditions

Workers who pay housing provident fund can apply for housing provident fund loans if they buy, build, renovate or overhaul their own houses in this city.

To apply for housing provident fund loans, the following conditions shall be met:

(a) the continuous deposit of housing provident fund has reached the statutory time limit;

(2) Having full capacity for civil conduct;

(3) Having the ability to repay the principal and interest of the loan;

(4) Having a good credit record;

(5) Having a house purchase contract or other approval documents that meet the relevant laws and guarantee conditions;

(6) The down payment for house purchase shall not be less than the payable amount calculated according to laws and regulations;

(seven) other conditions determined by the Municipal Provident Fund Management Committee.

Employees who apply for housing provident fund loans shall go through the loan procedures at the city provident fund center in accordance with the norms.

The municipal provident fund center shall make a decision on whether to grant the loan within 15 days from the date of accepting the loan application. If the loan is granted, the entrusted bank shall handle the loan formalities; If the loan is not granted, the reasons shall be explained to the applicant.

Personal provident fund loan amount calculator

Guangzhou employees to buy self-occupied housing provident fund loan amount should reach the limit standard:

According to. Higher than the calculation formula for calculating the loan amount according to the deposit amount of housing provident fund:

Account balance × monthly deposit × retirement age months

Two. Higher than the housing provident fund loan.

Apply for a housing provident fund loan with a high amount of 500,000.

Buy the same set of self-occupied housing twice or twice * * * apply for the loan amount of housing provident fund loan, and apply for a high loan amount of 00,000 yuan each time.

3. It is higher than the loan amount determined by referring to the differentiated housing credit policy.

(1) Apply for a housing provident fund loan to purchase the first set of ordinary self-occupied housing, and deposit it into employees' families (including loans, spouses and non-employees) at a low down payment ratio of 20% of the loan interest rate and the benchmark interest rate of the housing provident fund loan;

(two) there are housing loans or housing records and the corresponding housing loans have been settled, and the families of workers apply for housing provident fund loans to buy ordinary self-occupied housing. The down payment ratio of loan interest rate is as low as 30%, and the benchmark interest rate of housing provident fund loans has doubled;

(3) Families with outstanding housing loans apply for housing provident fund loans to purchase ordinary self-occupied housing loans, with a low down payment ratio of 40% loan interest rate, and the benchmark interest rate of housing provident fund loans will double.

Four. Suspension of the issuance of family housing provident fund loans for the purchase of third homes and housing.

Hangzhou provident fund loan amount calculator

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

The calculation method of provident fund loan amount is as follows:

1. The formula for calculating the loan amount according to the repayment ability is:

[(total monthly salary of the borrower, monthly contribution of the borrower's housing provident fund) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan term (month).

2. According to the quantity used by the spouse:

[(total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan term (month).

Among them, the repayment ability coefficient is 40%.

Total monthly salary = monthly contribution of provident fund ÷ (proportion of unit contribution and proportion of individual contribution).

3. Loan amount calculated according to house price:

The calculation formula is: loan amount = house price × loan ratio.

4. The loan amount calculated according to the maximum loan amount:

The specific maximum amount varies from place to place, so it is recommended to consult the local housing provident fund management center.

How to use the provident fund loan calculator?

The official websites of housing provident fund centers all over the country have provident fund loan calculator services. Lenders can know how much they can borrow from their provident fund through calculation.

When calculating, you need to select information such as online signing date, individual monthly contribution of housing provident fund, contribution ratio, number of months, household registration location, marital status, total house price, purchased house area, loan term, number of houses, house nature and house area. , and then click the Start Calculation button.

This concludes the introduction of provident fund loan capacity calculator and housing provident fund loan amount calculator. I wonder if you have found the information you need from them?