Wuhan provident fund loanable amount calculator?

A. Wuhan Provident Fund Loan Amount Calculator?

Of course, there are other requirements for applying for a PF loan, such as the length of time the user has been paying PF, and other requirements for the amount of PF loan in the user's location, etc., which the user needs to take into account in determining the amount of the loan.

The formula for calculating the amount of personal CPF loan is: (monthly deposit x total number of months CPF account balance at legal retirement age) x 2. If the age is 25, retiring at 65, and the CPF is currently in the state of being deposited, the monthly deposit is $600, and the balance of the CPF is $10,000, the maximum amount that can be loaned is ($600401210000)2=596,000 yuan.

Two, Chengdu provident fund loan formula 2022

2022 provident fund loan amount calculation formula is as follows:

1. [(borrower's total monthly salary borrower unit housing provident fund monthly contribution) × repayment capacity coefficient - borrower's existing loan total monthly repayment amount] × loan period (months) ). Spouse amount to use: [(total monthly salary of both husband and wife monthly contribution to the Housing Provident Fund of both husband and wife) x repayment capacity factor - total monthly repayment of the existing loan of both husband and wife] x loan period (months). Among them, the repayment capacity coefficient of 40%, the total monthly salary = monthly CPF contributions ÷ (unit contribution ratio individual contribution ratio);

2. Loan amount = house price × loan ratio. Purchase of commercial housing, price-restricted commercial housing, targeted allocation of guaranteed housing, targeted sales of guaranteed housing or private housing. Employees (including employees, spouses and minor children, hereinafter the same) loans to buy the first housing (including commodity housing, price-restricted commodity housing, targeted allocation of guaranteed housing, targeted sales of guaranteed housing or private housing), housing floor area of less than 90 square meters (including 90 square meters), to pay no less than 20% of the price of the purchased housing as a down payment, the amount of the loan is not more than 80% of the price of the purchased housing; the purchased If the floor area of the house is more than 90 square meters, pay a down payment of not less than 30% of the price of the house purchased, and the loan amount is not higher than 70% of the price of the house purchased.

Three, provident fund loan amount calculator Chengdu

Equal principal refers to a loan repayment method, is in the repayment period of the loan number of the total amount of equal parts, monthly repayment of an equal amount of principal and the remaining interest, so that due to the monthly repayment of the amount of the principal of a fixed amount of interest is larger, but with the passage of time the number of monthly repayments also The number of monthly repayments over time is also less and less. [1]

Equivalent principal loan formula:

Monthly repayment amount = (loan principal / repayment months) cumulative amount) x monthly interest rate

Equivalent principal and interest repayment method

Equivalent principal and interest refers to a kind of repayment of the purchase loan, which is to pay back an equal amount of the loan (including principal and interest) every month during the repayment period.

The formula for calculating the monthly repayment amount is as follows:

[Loan principal x monthly interest rate x (January interest rate)^number of months of repayment]÷[(January interest rate)^number of months of repayment-1]

Freedom of Repayment Method

Freedom of Repayment means that you apply for a housing heart according to the amount and period of time of your borrowing, giving a monthly repayment amount of not less than the next

The first suite CPF loan is generally implemented benchmark interest rate, the second suite CPF loan more 0%. The following is the latest benchmark interest rate for CPF loans (implemented after 2015-3-1):

Annual interest rate for 5 years and less than 5 years: 3

Annual interest rate for loans above 5 years: 4.0%

Fourth, CPF Loan Amount Calculator Chengdu

Calculation of CPF loan amount will be based on The four conditions to determine the ability to repay the loan, house price into the number of housing, housing fund account balance and the maximum loan limit, the minimum value of the four conditions calculated is the borrower's maximum loan amount.

The CPF loan amount is calculated as follows:

1, according to the loan repayment ability of the loan amount calculation formula is:

[(borrower's total monthly salary borrower's unit housing fund monthly contributions) × repayment ability coefficient - the borrower's existing loan monthly total repayment amount should be made] × loan period (months).

2, according to the use of spousal amount:

[(husband and wife total monthly salary husband and wife's unit housing provident fund monthly contribution) × repayment capacity factor - husband and wife existing loan monthly repayable total amount] × loan period (months).

Which repayment capacity coefficient is 40%

Monthly gross salary = monthly CPF contribution ÷ (unit contribution ratio individual contribution ratio).

3, according to the price of housing calculated loan amount:

Calculation formula: loan amount = housing price × loan ratio

4, according to the loan maximum calculated loan amount:

Specific maximum limit of different places, it is recommended that specific consultation with the local housing provident fund management center.