As housing prices get higher and higher, many families buy loans when they buy a house, which will relieve a lot of pressure. After all, the money to buy a house is not a decimal, so how to calculate the decoration loan calculator ? Many people don't know much about it. Let's follow the decoration home network Xiaobian to find out how to calculate the decoration loan calculator, how to apply for the decoration loan! First, how to calculate the decoration loan calculator The housing provident fund loan amount must be comprehensively calculated before it can be determined. The calculation of the amount of the provident fund loan is determined according to the four conditions of repayment ability, house price, housing provident fund account balance and loan ceiling. The minimum value calculated by the four conditions is the maximum loanable amount of the borrower. The calculation method is as follows: 1. Calculate the formula according to the loan repayment ability, {(the total monthly salary of the borrower + the monthly contribution of the unit of the borrower's housing provident fund) × the ability to repay the loan - the total monthly repayment of the borrower's existing loan} × loan term (month ), using the spouse quota {(the total monthly salary of the husband and wife + the monthly contribution of the unit of the husband and wife in the unit) × the ability to repay the loan - the total monthly repayment of the existing loan between the husband and wife} × loan term (month). Among them, the repayment ability coefficient is 40%, the total monthly salary = the monthly contribution of the provident fund (the ratio of unit deposit + the proportion of personal deposit); 2. Calculate the formula according to the house price. The loan amount = house price × loan number, and the number of loans is determined according to the different types of purchase and repair houses and the number of mortgages; 3. According to the balance of the account, if the employee applies for housing provident fund loan, the loan amount shall not be higher than the balance of the housing provident fund account when the employee applies for the loan (the use of the spouse housing provident fund to apply for the provident fund loan, which is the sum of the balance of the employee and spouse housing provident fund account balance) The balance of the housing provident fund account of less than 20,000 is calculated at 20,000 yuan; 4. According to the maximum amount, if you apply for housing provident fund loan with your own housing provident fund, the maximum loan limit is 400,000 yuan. At the same time, if you apply for housing provident fund loan with spouse housing provident fund, the maximum loan limit is 600,000 yuan, and you can apply for housing provident fund loan using your housing provident fund. And when applying for a loan, I will normally deposit the supplementary housing provident fund. The maximum loan limit is 500,000 yuan. At the same time, the spouse housing provident fund is used to apply for housing provident fund loans. If the person or his or her spouse normally deposits the supplementary housing provident fund when applying for the loan, the maximum loan limit is 70. Ten thousand yuan. How to apply for renovation loan 1. The identity certificate of the borrower and the spouse (ID card, household registration book, marriage certificate or divorce certificate, court judgment, ruling, unmarried or divorced unremarried certificate issued by the unit, etc.); 2. Stable economic income proof materials (certificate of unit wage income, etc.); 3. Certificate of deposit of housing provident fund; 4. The purchase contract and agreement signed with the selling unit (the need to provide land for the self-built housing and the approval of the planning department); 5. The loan application approval form is completed by the person and the spouse; 6, to have a minimum of 20% of the total housing price (down payment) receipt (purchase of private housing, construction, overhaul of self-occupied housing need to issue a self-funded certificate of not less than 30% of the total housing costs); 7. The list of pledge rights issued by the borrower, the ownership certificate (or the written commitment of the guarantor to agree to provide the guarantee). 4. The term, interest rate and limit of the housing provident fund loan. The above is how to calculate the decoration loan calculator, how to apply for the renovation loan detailed answer, I do not know if you are satisfied with the introduction of the decoration home network Xiaobian. If you want to know more about the exciting content, please continue to pay attention to our home encyclopedia! More related wonderful reading: How to renovate the loan? Introduction to the renovation loan process What is the interest on the renovation loan? Renovation loan terms Renovation can loan? Renovation loan method How to make a home renovation loan? Bank decoration loan conditions Is the decoration loan cost-effective? Which way is the decoration loan good? Antimony Trioxide,Antimony Trioxide Powder,Environment-Friendly Antimony Trioxide,Flame Retardant Synergistic Agent HUNAN ZHONGNAN ANTIMONY&TUNGSTEN TRADING CO.,LTD , https://www.znat.com.cn
