What is the formula for calculating the loan amount of Jinan provident fund?

1. What is the formula for calculating the loan amount of Jinan provident fund?

What is the formula for calculating the loan amount of Jinan provident fund?

Housing accumulation fund refers to the long-term housing savings paid by the state, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and their employees. The following is the relevant content of the calculation formula of Jinan provident fund loan amount for everyone. The article hopes that everyone

What is the formula for calculating the loan amount of Jinan provident fund?

Formula 1: Provident fund loan amount = (the balance of the borrower's housing provident fund account is the same as that of the borrower's housing provident fund account) × 15.

Formula 2: Loan amount of provident fund = loan amount of borrower * * * is the same as loan amount of repayment person.

The borrower or * * * the same borrower's provident fund loan amount = the average monthly contribution amount of my provident fund) × 12× loan period× 50 %× my continuous contribution time coefficient.

Deposit time coefficient:

; 2. What is the loan formula of provident fund?

Year15 =1512 =1August, the monthly interest rate is 3.87%/ 12=0.3225%, and the monthly equivalent capital is10000//kloc. . . . . . By analogy, the interest of 180 months is 3 197.6 yuan, and the average monthly repayment interest is 3197.6/180 =17.7, so equal monthly payment = equal monthly payment = 55.5/kloc-.

3. What is the formula for calculating the loan amount of housing provident fund?

Roughly divided into:

(1) Loan amount = (monthly deposit amount of housing provident fund × 12× personal account balance of future housing provident fund )× 2.

(2) The retirement age is subtracted from the current age to calculate the number of years that can be paid in the future. At present, the retirement age in Changsha is calculated according to the age of 60 for male employees and 50 for female employees.

1, calculate the loan amount according to the repayment ability.

The calculation formula is: [(total monthly salary of the borrower, monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month). ?

Step 2 Use your spouse's quota

The calculation formula is: [(total monthly salary of both husband and wife, monthly contribution of housing provident fund of both husband and wife's work units) × repayment ability coefficient-total monthly repayment amount of existing loans of both husband and wife ]× loan period (month)

Among them, 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).

3. The loan amount calculated according to the house price

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

4. The loan amount is calculated according to the high loan limit.

If I use my housing provident fund to apply for a housing provident fund loan, the loan ceiling is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the loan ceiling is 600,000 yuan. I use my housing provident fund to apply for a housing provident fund loan. If I pay the housing provident fund normally when applying for a loan, the loan ceiling is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the loan ceiling is 700,000 yuan.

Four. Summary of calculation formula of provident fund loan

The calculation formula of provident fund loan is a popular expression of provident fund loan calculator, which is used to calculate the amount (principal and interest) to be repaid every month and the total interest to be paid under the provident fund loan method. There are three calculation methods: equal principal repayment, equal principal and interest repayment and free repayment.

Summary of calculation formula of provident fund loan

matching principal repayments

Average capital refers to a repayment method in which the total loan amount is divided into equal parts during the repayment period, and the same amount of principal and interest generated by the remaining loans in the current month are repaid every month. Because the monthly repayment amount is fixed and the interest is getting less and less, the lender is under great pressure to repay at first, but with the passage of time, the monthly repayment amount is getting less and less.

Calculation formula of average capital loan:

Monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate.

Waiting amount for debt service

Matching principal and interest refers to a repayment method of housing loans, that is, repaying the same amount of loans (including principal and interest) every month during the repayment period.

The calculation formula of monthly repayment amount is as follows:

[loan principal × monthly interest rate ×( 1 monthly interest rate) repayment months ]=[( 1 monthly interest rate) repayment months]

Free repayment method

Free repayment means that when you apply for a housing provident fund loan, the housing provident fund management center will give you a minimum repayment amount according to the loan amount and term. In the future, on the premise that the monthly repayment amount is not lower than this minimum repayment amount, you can freely arrange the repayment method of the monthly repayment amount according to your own economic situation.

Tubatu Online provides you with "every decoration quotation, 1-4 local decoration companies, 3 sets of decoration design schemes" and the decoration pit avoidance strategy for free! Click this link:/Zhu Ye /zxbj-cszy.php? to8to _ from = SEO _ zhidao _ m _ jiare & amp； Wb, you can get it for free ~