Zibo provident fund loan amount

The maximum loan amount of Zibo Provident Fund is 600,000 yuan. If an employee purchases the first suite and applies for a housing provident fund loan, the maximum loan amount is 600,000 yuan. If an employee purchases a second suite and applies for a housing provident fund loan, and both husband and wife have paid the housing provident fund continuously and the immediate family members have jointly borrowed, the maximum loan amount is 500,000 yuan; Only one party has paid the housing provident fund continuously and normally, and the maximum loan amount is 400,000 yuan. The calculation formula of provident fund loan is 1. 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. 2. The calculation formula of provident fund loan based on repayment ability is: loan amount = [(total monthly salary of the borrower or husband and wife+monthly deposit of housing provident fund of the unit where the borrower or husband and wife work) × repayment ability coefficient 40% monthly repayment amount of the existing loan of the borrower or husband and wife] × 12 (month )× loan term. Total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio+individual contribution ratio); 3. The calculation formula of provident fund loan based on house price is loan amount = house price × loan ratio. Among them, the loan proportion is determined according to different types. Generally speaking, if the building area is more than 90 square meters, the loan amount shall not exceed 70% of the purchase price; If the construction area is less than 90 square meters, the loan amount shall not exceed 80% of the purchase price. 4, according to the maximum loan amount, use my housing provident fund to apply for a loan provident fund loan, and meet the application conditions, the maximum amount is 500 thousand yuan; At the same time, if the spouse's housing provident fund is used to apply for a loan and the loan application conditions are met, the maximum loan amount is 700,000 yuan. 5. The calculation formula of the provident fund loan based on the balance of the provident fund account is: the amount of the provident fund loan = the borrower and the balance of the borrower's provident fund account × 20. For example, if a citizen has paid the provident fund for more than 1 year and the current balance of the provident fund account is 10000 yuan, then if he wants to apply for a loan with a repayment period of 30 years, the maximum amount is about 10000 × 20 = 200000 yuan. If you know the individual and spouse's monthly provident fund deposit, the planned loan application period and the actual purchase price, you may wish to use the provident fund calculator to calculate the loan amount online, which is really convenient and saves time and effort.