List of Loan Amount of Housing Provident Fund in Zhengzhou City

The loan amount of housing provident fund is basically determined according to the borrower's repayment ability, house price, housing provident fund account balance and the maximum loan amount, and the minimum value is calculated. Under normal circumstances, personal provident fund loans do not exceed 300,000, and families do not exceed 500,000. Provident fund loan requirements: 1. Provide valid local account in Zhengzhou or valid residence certificate in Yibin; 2. Have a legal job and stable income in Zhengzhou, pay slips, bank running water, etc. ; 4. The applicant has continuously paid the housing provident fund for more than 6 months before the Zhengzhou loan, and the accumulated time for paying the provident fund cannot be less than 12 months. 5. The borrower and his wife have no outstanding provident fund loans; 6. Other conditions stipulated by the lending bank.

The latest policy of Zhengzhou provident fund loan

Since June 10, 2022, the first personal housing provident fund loan in Zhengzhou has implemented the new interest rate.

Since June 65438+1 October1day, 2022, the interest rate of the first personal housing provident fund loan in Zhengzhou has been lowered from the current 2.75% for five years and below to 2.6%, and from the current 3.25% for five years and above to 3. 1%.

Zhengzhou provident fund loan amount

● The deposits of both husband and wife of the borrower meet the conditions of provident fund loans. For the first time to purchase the first family housing with provident fund loans, the maximum amount of provident fund loans is 800,000 yuan. If the borrower unilaterally pays the provident fund loan, and the family uses the provident fund loan for the second time to purchase a second family house, the maximum amount of the provident fund loan is 600,000 yuan.

● If the family uses the provident fund loan for the first time, within the corresponding maximum provident fund loan amount, the single loan amount shall be determined according to the comprehensive repayment ability, the longest loan period and the loan proportion. If a family uses a provident fund loan for the second time or buys a second family house, within the corresponding maximum loan amount, a single loan amount shall be determined according to the balance of family deposits, repayment ability, longest loan period and loan ratio.

● If the housing loan of a commercial bank is not settled, its repayment ability shall be determined by the combined monthly repayment amount. If the repayment ability is insufficient, the amount of provident fund loans will be reduced.

● If the family uses the provident fund loan for the second time or buys a second family house, the amount of the provident fund loan shall not exceed 15 times of the balance paid by the family.

Calculation formula of Zhengzhou provident fund loan amount

Legal analysis: the calculation method of provident fund loan amount is as follows:

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).

2. according to the number 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 to provident fund ÷ (unit contribution ratio, individual contribution ratio).

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 maximum loan amount.

I use my own housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan, and the maximum loan amount is 600,000 yuan if I use my spouse's housing provident fund to apply for housing provident fund loans. Use my housing provident fund to apply for housing provident fund loans, and pay the supplementary housing provident fund normally when applying for loans. When the maximum loan amount is 500,000 yuan, use my spouse's housing provident fund to apply for housing provident fund loans, and when applying for loans, I or my spouse will pay the supplementary housing provident fund normally, with the maximum loan amount of 700,000 yuan.

Legal basis: Article 6 of the Regulations on the Management of Housing Provident Fund, the deposit and loan interest rate of housing provident fund is proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council.

Calculation method of loan amount of Zhengzhou provident fund and minimum standard of provident fund

The calculation of provident fund loan should be determined according to four conditions: repayment ability, proportion of 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. So how is the loan amount of Zhengzhou provident fund calculated, and what is the minimum standard of Zhengzhou provident fund loan? In this article, I will introduce you to the relevant knowledge about the calculation and distribution of Zhengzhou provident fund loan amount.

Employees who plan to apply for housing provident fund loans can calculate their loan amount according to the new policy according to the following steps:

(a) through the housing provident fund website, 12329 customer service telephone or service hall window to inquire about the deposit information of myself and my spouse, and calculate the sum of the balance of both husband and wife's accounts and my deposit period.

(2) Calculate the loanable amount with the formula: loan amount = deposit account balance ×( 14 year deposit). If the calculation result is greater than the corresponding maximum loan limit (choose 400,000 yuan or 600,000 yuan according to the deposit situation), the maximum loanable amount is 400,000 yuan or 600,000 yuan; If the calculation result is less than or equal to the maximum loan limit, the maximum loanable amount is the calculation result.

(3) After the loan amount is determined, choose the repayment method and the longest loan period, and use the calculator provided by the housing provident fund website to calculate the monthly repayment amount. If the monthly payment is less than 60% of the couple's income, the corresponding loan amount is the final loanable amount, otherwise the loan amount should be appropriately reduced. The income of husband and wife must also be the monthly income approved when the housing provident fund is paid.

If you can't calculate the loan amount, you can call 12329 customer service for help.

I. Calculation of the loan amount of Zhengzhou Provident Fund

(a) through the housing provident fund website, 12329 customer service telephone or service hall window to inquire about the deposit information of myself and my spouse, and calculate the sum of the balance of both husband and wife's accounts and my deposit period.

(2) Calculate the loanable amount with the formula: loan amount = deposit account balance ×( 14 year deposit). If the calculation result is greater than the corresponding maximum loan limit (choose 400,000 yuan or 600,000 yuan according to the deposit situation), the maximum loanable amount is 400,000 yuan or 600,000 yuan; If the calculation result is less than or equal to the maximum loan limit, the maximum loanable amount is the calculation result.

(3) After the loan amount is determined, choose the repayment method and the longest loan period, and use the calculator provided by the housing provident fund website to calculate the monthly repayment amount. If the monthly payment is less than 60% of the couple's income, the corresponding loan amount is the final loanable amount, otherwise the loan amount should be appropriately reduced. The income of husband and wife must also be the monthly income approved when the housing provident fund is paid.

Second, the legal basis

Provisions on the administration of RMB interest rate

Chapter I General Provisions

Article 1 In order to give full play to the regulatory role of interest rate leverage on the national economy, strengthen interest rate management, maintain normal financial order and create a fair and orderly competitive environment, these Provisions are formulated in accordance with the Law of the People's Republic of China on the People's Bank of China, the Law of People's Republic of China (PRC) Commercial Bank and other relevant laws and regulations.

Article 2 All financial institutions, postal savings departments, other legal persons, natural persons and other organizations engaged in RMB deposit and loan business in People's Republic of China (PRC) (excluding Hongkong, Macau and Taiwan Province Province) shall abide by these Provisions.

Article 3 The People's Bank of China is the competent interest rate authority authorized by the State Council, which exercises the interest rate management right on behalf of the state according to law, and no other unit or individual may interfere.

Article 4 The interest rate set by the People's Bank of China is the legal interest rate. The legal interest rate has legal effect, and no other unit or individual has the right to change it.