1. Calculated by loan repayment capacity: Loan amount = [(borrower's monthly gross salary + borrower's unit's monthly contribution to the housing provident fund) × loan repayment capacity coefficient of 40% - borrower's or husband's and wife's existing loans should be repaid per month] × 12 (months) × the loan period. Where total monthly salary = monthly provident fund contribution / (unit contribution ratio + personal contribution ratio).
2. Calculated based on the price of the house: Loan amount = price of the house x loan ratio. Which loan ratio is determined according to different types, the purchase of housing construction area of more than 90 square meters, the loan amount shall not exceed 70% of the purchase price; construction area of less than 90 square meters, the loan amount shall not exceed 80% of the purchase price.
3. Calculated by the maximum amount of the loan, the use of my housing provident fund to apply for a loan provident fund loan, and in line with the conditions of its application, the maximum loan limit of 500,000 yuan; while the use of spousal housing provident fund to apply for a loan, and in line with the conditions of the loan application, the maximum loan limit of 700,000 yuan.
4. Calculated on the balance of the provident fund account: the amount of provident fund loan = the balance of the provident fund account of all the participants x 20.
I. Lanzhou provident fund loan ceiling of up to 500,000 yuan.
Individual contributors in Lanzhou City who have been contributing to a housing provident fund for more than two years (including two years) can apply for a housing provident fund personal loan. The CPF loan ceiling is 500,000 yuan, which specifies a loan ceiling of 400,000 yuan for single workers. And the maximum loan period is 30 years, the maximum loan amount does not exceed 70% of the total house price.
Two, Lanzhou housing provident fund loan interest rate
Lanzhou City, individual housing provident fund loan interest rate there are two grades of change, that is, more than 5 years and less than 5 years were reduced by 0.20 percentage points and 0.25 percentage points. That is, the loan period of 530 years (including 30 years) of individual housing provident fund loan interest rate from 4.90% down to 4.7%; years in 1-5 years (including 5 years) of housing provident fund loan rate from 4.45% down to 4.20%.
Three, calculation method
1, calculation method
Employee's housing fund monthly contribution = employee's personal housing fund monthly contribution unit funded housing fund monthly contribution
Employee's personal housing fund monthly contribution = employee's housing fund monthly contribution base employee's housing fund contribution rate
Unit funded housing Provident Fund Monthly Contribution = Employee Housing Fund Monthly Contribution Base Unit Housing Fund Contribution Ratio
Housing Fund Individual and Unit Monthly Contributions are calculated and processed by rounding up to the nearest dollar.
2. Contribution base
Employee's monthly contribution base for housing fund = employee's total salary in the previous year12.
The caliber of calculation of total salary is based on the Provisions on the Composition of Total Salary issued by the National Bureau of Statistics (No. 1 of the Statistical System [1990]), including: hourly wage, piecework wage, bonuses, allowances and subsidies, overtime wages, and wages paid under special circumstances. wages paid under special circumstances.
Newly joined the work or newly transferred to the employee's contribution base for the year for the employee's first month's gross salary.
The contribution base of the housing provident fund is adjusted once a year at the beginning of each year.
3. Contribution ratio
The specific contribution ratio of each contributing unit for the individual employee and the unit is determined by the unit within the range of 7-12%, and the one that exceeds 10% needs to be reported to the Office of Lanzhou Housing Provident Fund Management Committee for approval.
Legal basis
"Housing Provident Fund Management Regulations"
Article 12 The Housing Provident Fund Management Committee shall, in accordance with the relevant provisions of the People's Bank of China, designate the commercial banks entrusted with the handling of housing provident fund financial services (hereinafter referred to as the entrusted bank); the Housing Provident Fund Management Center shall entrust the entrusted bank to handle housing provident fund loans. The commissioned bank shall entrust the commissioned bank to handle the financial business of housing provident fund such as loan, settlement and other procedures for the establishment, payment and return of housing provident fund accounts.
The housing fund management center shall sign a commissioning contract with the commissioned bank.
Article 24 An employee may withdraw the stored balance in the employee's housing fund account under any of the following circumstances:
(1) purchase, construction, renovation or overhaul of his/her self-occupied housing;
(2) retirement or separation from the workforce;
(3) total loss of working capacity and termination of the working relationship with the organization;
(4) emigration for settlement;
(v) repayment of the principal and interest of the loan for the purchase of housing;
(vi) rent exceeding the prescribed percentage of the family's wage income.
In accordance with the provisions of the preceding paragraph (2), (3) and (4), the withdrawal of the employee's housing fund shall be accompanied by the cancellation of the employee's housing fund account.
When an employee dies or is declared dead, the employee's heirs and legatees may withdraw the balance of the employee's housing fund account; if there are no heirs or legatees, the balance of the employee's housing fund account shall be included in the value-added income of the housing fund.
Article 26 An employee who has contributed to the housing provident fund may apply to the Housing Provident Fund Management Center for a housing provident fund loan when purchasing, constructing, refurbishing or overhauling his own housing.
The Housing Provident Fund Management Center shall, within 15 days from the date of acceptance of the application, make a decision on granting or disallowing the loan and notify the applicant of the decision; in case of granting the loan, the commissioned bank shall handle the loan procedures.
The risk of housing fund loans shall be borne by the housing fund management center.