The loan amount of Lanzhou housing provident fund is calculated as follows: 1. Calculated by repayment ability: loan amount = [(total monthly salary of the borrower, monthly contribution of the housing accumulation fund of the borrower's unit) × repayment ability coefficient 40%- monthly repayment amount of existing loans of the borrower or husband and wife ]× 12 (month )× loan term. The total monthly salary = monthly contribution of provident fund/(proportion of unit contribution and proportion of individual contribution). 2. Calculated by house price: loan amount = house price × loan ratio. Among them, the loan proportion is determined according to different types. 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. 3. Based on the maximum loan amount, if I use the housing provident fund to apply for a loan provident fund loan and meet the application conditions, the maximum loan amount is 500,000 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. 4. Calculated by the balance of the provident fund account: the loan amount of the provident fund = the balance of the provident fund account of all participants ×20. 1. The maximum loan amount of Lanzhou Provident Fund is 500,000 yuan. Individuals in Lanzhou who have paid housing provident fund for more than two years (including two years) may apply for personal loans for housing provident fund. The maximum amount of provident fund loans is 500,000 yuan, of which the maximum amount of loans for single employees is 400,000 yuan. And the longest loan period is 30 years, and the maximum loan amount does not exceed 70% of the total house price. Second, Lanzhou housing provident fund loan interest rate Lanzhou personal housing provident fund loan interest rate has two grades, that is, the five-year and five-year periods are lowered by 0.20 percentage points and 0.25 percentage points respectively. That is, the interest rate of individual housing provident fund loans with a loan term of 530 years (including 30 years) is lowered from 4.90% to 4.7%; The proportion of housing provident fund loans with fixed number of years 1-5 years (including 5 years) decreased from 4.45% to 4.20%. Three. Calculation method 1. Calculation method = monthly deposit of employee housing provident fund = monthly deposit base of employee housing provident fund = monthly deposit base of employee housing provident fund = monthly deposit base of employee housing provident fund = monthly deposit base of employee housing provident fund = monthly deposit ratio of unit housing provident fund. The monthly deposit amount of individual and unit housing provident fund is calculated and processed to RMB yuan by rounding method. 2. Deposit base The monthly deposit base of employee housing provident fund = the total wages of employees in the previous year 12. The calculation caliber of total wages is based on the Provisions on the Composition of Total Wages issued by the National Bureau of Statistics (Guo Tong Zi [1990] 1No.), including hourly wages, piece-rate wages, bonuses, allowances and subsidies, overtime wages and wages paid under special circumstances. The deposit base of new employees or newly transferred employees in that year is the employee's total salary in the first month. The deposit base of housing provident fund shall be adjusted in principle at the beginning of each year. 3. Deposit ratio The specific deposit ratio of employees and units of each deposit unit shall be determined by the unit within the range of 7- 12%, and those exceeding 10% shall be reported to the Lanzhou Housing Provident Fund Management Committee Office for approval. Legal Basis Article 12 The Housing Provident Fund Management Committee shall, in accordance with the relevant provisions of the People's Bank of China, designate a commercial bank entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted bank); The housing provident fund management center shall entrust the entrusted bank to handle financial services such as housing provident fund loans and settlement, as well as the establishment, deposit and return procedures of housing provident fund accounts. The housing provident fund management center shall sign an entrustment contract with the entrusted bank. Article 24 Under any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account: (1) purchasing, building, renovating or overhauling their own houses; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund. Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
Second, the latest loan policy of Lanzhou Provident Fund?
At present, the second-hand housing loan policy of Lanzhou Housing Provident Fund Management Center is changed as follows:
1, the first two sets of identification methods for deposit households in this city and deposit households in other places are the same;
2. The first set of customer's family loan qualification, the second set of identification method depends on the provident fund loan record under the family name and the real estate in Lanzhou under the family name (proof of no house is required, depending on the house in Lanzhou), the first set of calculation without provident fund loan record and no house in Lanzhou under the family name, and the second set of calculation with house or provident fund loan record under the family name;
3. The interest rate benchmark of the second set of provident fund rises 10%, and the annual interest rate of loans for more than 5 years is 3.575%;
4. There are two suites in Lanzhou under the family name, and there are outstanding housing loans under the family name. There are two provident fund loans in the family name, and the loan was rejected;
5. This policy was implemented in April, 2020./kloc-0.
3. What is the calculation formula of Lanzhou housing provident fund loan? Interest rate?
1, you can repay the loan in advance.
If the borrower repays the loan principal and interest in advance, it shall apply to the loan bank and obtain the consent of the loan bank and the municipal housing provident fund management center; If the loan guarantee is provided by a guarantee company, the borrower shall also notify the guarantee company in advance. The borrower can repay the loan principal and interest in advance in one of the following three ways:
① Repay all loan principal and interest in advance. The borrower can repay all the remaining loan principal and interest in advance at one time, and the interest payable is calculated by multiplying the actual number of days occupied by the remaining principal by the current execution interest rate corresponding to the agreed period of the loan contract.
② Repay part of the loan principal in advance. After repaying the loan principal and interest due in the previous period, the borrower may repay part of the loan principal in advance. At the time of repayment, the interest receivable of the repaid principal shall be calculated and settled according to the actual days of prepayment of part of the principal, and the amount of principal and interest payable in the current month and subsequent months shall be recalculated according to the remaining principal and remaining period.
③ Repay the loan principal and interest for several months in advance. The borrower can repay the principal and interest of the loan several months in advance, but it cannot be repaid in advance across natural years. After repayment, the borrower still repays the remaining loan according to the original monthly repayment amount. When the borrower repays the portfolio loan in advance, it should adopt the same repayment method, and at the same time repay the housing accumulation fund (portfolio) loan principal and interest in the portfolio loan and the housing loan principal and interest of the loan bank with its own account. 28. How to handle prepayment? The borrower only needs to bring cash to the loan bank to apply for early repayment.
2, 3, 4, you can refer to the following calculation method to calculate the ratio of your repayment amount to the loan amount, and you can also refer to your age.
Take Mr. Zhang, 40, as an example. He pays 400 yuan's housing accumulation fund every month. The proportion of units and individuals is 10%, and the balance of housing accumulation fund is 8000 yuan. He paid the housing accumulation fund normally, with a balance of 3,000 yuan. The spouse pays the housing accumulation fund into 300 yuan every month, and the contribution ratio of both units and individuals is 15%, and the balance of housing accumulation fund is 6,000 yuan. The employee purchased a set of commercial housing with a house price of 400,000 yuan and a loan term of 15 years. If the husband and wife double loan is adopted, the loan amount is calculated as follows: ① According to the family income, the loan amount is 228,600 yuan. Calculation process: the borrower's income is 400 ÷ (0.10.1) = 2,000 yuan, and the spouse's income is 300÷(0. 150. 15). = 1000 yuan loan amount = [2000× (0.40.1)1000× (0.40.15) ]×12×/kloc-0. ③ The process of calculating the loanable amount of 225,000 yuan according to the balance: the loan amount is (800,060,003,000) × 65,438+05 = 255,000 yuan; ④ The maximum amount is 300,000 yuan.
Four, Lanzhou provident fund loan amount calculation formula
The calculation of provident fund loan should be based on four conditions: the balance of housing provident fund account and the maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the lender. So what is the minimum standard for Lanzhou provident fund loans? In this article, I will introduce you to the knowledge about the calculation and distribution of the loan amount of Lanzhou Provident Fund.
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If the borrower and the applicant are not in the same center, the balance of housing provident fund deposit can be calculated together.
The spouse of a married borrower must be the same applicant, and a single borrower may allow any one of his father, mother, son or daughter to be the same applicant.
The borrower and * * * deposits are calculated by the applicant.
(2) Determination of deposit balance coefficient:
Temporary deposit balance coefficient
(3) Determination of storage time and coefficient
The deposit time shall be subject to the deposit time of the housing provident fund of the main borrower.
Deposit time (month) and deposit time coefficient:
6 months ≤ deposit time ≤ 12 months, deposit time
12 months
18 months
24 months
Deposit time > 3.5.