Wuhan provident fund loan amount how to calculate

A. How to calculate Wuhan provident fund loan amount?

The maximum loan amount is 700,000 yuan if it is the first suite, and 500,000 yuan if it is the second suite.

Most cities have stipulated the maximum amount of a single housing fund loan, for example, the maximum amount of a single housing fund loan in Chengdu is 600,000 yuan; the maximum amount of a housing fund loan for an individual in Guangzhou is 500,000 yuan, and the maximum amount of a housing fund loan for applicants with two or more applicants is 800,000 yuan.

Secondly, the maximum amount of housing provident fund loan is not more than 70% of the total house payment;

Applying for a provident fund loan should also satisfy the requirement that the monthly repayment/monthly income is not greater than 50% (which: the monthly repayment includes the sum of the existing indebtedness and the monthly repayment of the current indebtedness). The loan period of housing provident fund is 1-30 years, and shall not be longer than the borrower's time from the legal retirement age; for workers near the retirement age, the loan period can be appropriately relaxed by 1-3 years, taking into account their ability to repay the loan.

Expanded information

Wuhan City, the relevant information

1, on the current city housing fund to determine the maximum loan amount. In view of the current housing provident fund individual loan rate in our city is 86%, between 80% (inclusive) and 90%, corresponding to the liquidity adjustment coefficient of 1. According to the requirements of the Notice on Optimization of Housing Provident Fund Individual Housing Loan Policies, starting from May 1, the maximum loan amount for the first suite of the city's housing provident fund will be 700,000 yuan, and the maximum loan amount for the second suite will be 500,000 yuan.

2, on the old and new policy convergence issues. Wuhan Housing Provident Fund Individual Housing Loan Management Measures and Notice on Optimizing Housing Provident Fund Individual Housing Loan Policies both came into effect on May 1, 2018. The housing provident fund individual housing loan business that has been accepted before is still implemented according to the original policy, and the provident fund individual loan accepted from May 1 (subject to the entry into the Wuhan Housing Provident Fund Management Information System) is implemented according to the new policy.

Wuhan Housing Provident Fund Management Center - Wuhan is about to implement the new policy of housing provident fund personal loan

Two, Wuhan housing provident fund loan amount two minutes to teach you to learn to calculate

Often there will be users to ask to the small editor, Wuhan housing provident fund loan amount is how much? So, now the Wuhan housing fund loan amount is how much, about the Wuhan housing fund policy and what? For this small make up to summarize:

Wuhan housing provident fund loan amount

A, Wuhan provident fund loan ceiling of up to 600,000 yuan.

1) The maximum amount of the first suite of provident fund loans is still 600,000 yuan. Loanable ratios are as follows:

(1) the purchase of the first suite of owner-occupied housing is a first-hand housing (including commercial housing, capital housing, affordable housing) housing provident fund loan maximum ratio is: floor area of 90 square meters (including) below, the maximum ratio shall not exceed 80% of the total price of the purchased housing; floor area of more than 90 square meters, the maximum ratio shall not exceed 70% of the total price of the purchased housing.

(2) the purchase of the first owner-occupied housing is a second-hand housing accumulation fund loan maximum ratio of: the purchase of housing completed within 10 years (including 10 years), the floor area of 90 square meters (including) the following, the maximum proportion of the loan shall not exceed 80% of the total cost of the house; floor area of 90 square meters or more, the maximum proportion of the loan shall not exceed the total cost of the house of 70%; purchased housing Built in 11-20 years (including 20 years), the maximum percentage of the loan shall not exceed 60% of the total price of the house; purchased houses built in 21-30 years (including 30 years), the maximum percentage of the loan shall not exceed 50% of the total price of the house.

(3) The maximum ratio of housing accumulation fund loans for the purchase of a second home (including first-hand and second-hand homes) shall not exceed 40% of the total price of the home, in accordance with the relevant provisions of the Notice on Issues Relating to Further Improvement of the Regulation of the Real Estate Market by the General Office of the State Council (Document No. 1 of Guo Ban Fa [2011]).

2)The maximum amount of the second suite of provident fund loans, "600,000 yuan less the first time the difference between the amount of housing provident fund loans have been used."

For example, Mr. Zhang used to buy his first suite with a CPF loan of $200,000, and is now eligible for a second suite loan, but his maximum loan for a second suite will be $600,000 minus the $200,000 that he used, which can only be $400,000.

This is the first time that Mr. Zhang has used a CPF loan to buy his first suite.

Two, provident fund personal loan amount formula

Lender loan amount shall not be higher than the loan amount determined in accordance with the ability to repay. According to the regulations, each lender according to the different amount of contribution to the provident fund, the amount that can be loaned is also different, need to be based on the amount of contribution, the proportion and the number of years of loans and other specific calculations of the results. There are two ways to calculate: (the following two calculations take the minimum loanable amount that is the individual loanable amount)

1) Calculate according to the actual repayment ability. The loan amount does not exceed the borrower's repayment ability, the formula is: loan amount = (the borrower's monthly provident fund contributions / unit and individual contribution ratio and the spouse's monthly provident fund contributions / unit and individual contribution ratio and) × 45% × 12 months × loan period.

Loan tenure: no more than 30 years for first-hand properties and 20 years for second-hand properties.

2)Calculation according to the status of housing fund contribution. The loan amount is determined according to a combination of the borrower's CPF contribution time and balance, calculated as follows: Loan amount = (Borrower's CPF contribution balance Spouse's CPF contribution balance) x 20 times x Borrower's CPF contribution time coefficient; CPF contribution account must be a normal contribution account.

Public Provident Fund Calculator: /calculator/gongjijin.html

Wuhan Provident Fund Loan Policy

Wuhan Provident Fund Loan New Policy Interpretation:

Wuhan Provident Fund Loan Amount Increased Payment Time Reduced to 6 Months

Wuhan Provident Fund Loan Condition Relaxed

1. Parents did not pay the provident fund but housing difficulties, the purchase of affordable housing and their children normally pay the provident fund, you can apply for a provident fund loan in the name of their children; parents and children of the joint purchase of affordable housing can also apply for a provident fund loan. But must also meet two conditions: First, must be the same household living in the immediate family (subject to the account book); Second, the property owner or *** have property rights must be issued to agree to use the house as collateral for the notarized statement and notarized.

2. Provident fund contribution time from 12 consecutive months (including 12 months) adjusted to 6 months (including 6 months), and apply for a loan in the normal deposit status, and more than 6 months without withdrawing the housing fund employees can apply for provident fund loans.

3. If a single employee's monthly CPF contribution reaches $800 (including unit subsidies) or more, the maximum CPF loan can be applied for at 70% of the total housing price (80% for a house of less than 90m2).

4. Borrowers who are allowed to take out a combination loan can voluntarily choose to repay the commercial loan or the provident fund loan first when handling the withdrawal of the provident fund to repay the loan in case of normal repayment of the provident fund loan.

Second-hand housing loan ratio in three classes

Second-hand housing loans are limited to houses built after 1980, the maximum percentage of loans according to the year of completion of the house is divided into three classes: 1980-1989 built houses, the maximum percentage of loans does not exceed the appraisal price of 50%; 1990-1999 built houses do not exceed the appraisal price of 60%; 2000 (including) The maximum loan ratio for houses built after 2000 (inclusive) does not exceed 70% of the appraised value (50% for single-party employees with monthly CPF contributions of less than $800). When the appraisal price of a second-hand house is not the same as the transaction price, the lower value will prevail.

Commercial loans to provident fund loans more convenient

1. Transfer borrowers should complete the "housing title certificate" and "state-owned land use right certificate" before applying for commercial loans to provident fund loans; has been carried out in the period of housing mortgage is no longer for the transfer of loans.

2. If the original commercial loan has been insured against the property of the mortgaged house, the transferor will voluntarily choose whether or not to change the property insurance of the mortgaged house.

3. Adequate adjustments will be made to the acceptance criteria for bad credit records arising from non-malicious loan defaults by borrowers, with the adjusted cumulative number of late payments not exceeding three (including three) or the maximum number of late payments not exceeding two (including two).

4. Those who have withdrawn their provident fund from the same house can apply for a commercial loan to a provident fund loan after they have made continuous and normal contributions to the provident fund for 3 years from the date of withdrawal.

The above is a summary of the Wuhan housing fund loan amount and loan policy. I hope you can be helpful to you.

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Three, Wuhan provident fund loan amount how to calculate 2021?

If you have not used the provident fund loans, the first set of up to 700,000, the second set of up to 500,000 loans.