The calculation method of provident fund loan amount is as follows:
1. The formula for calculating the loan amount according to the repayment ability is:
[(total monthly salary of the borrower, monthly contribution of the borrower's housing provident fund) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan term (month).
2. According to the quantity 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 of provident fund ÷ (proportion of unit contribution and proportion of individual contribution).
3. Loan amount calculated according to house price:
The calculation formula is: loan amount = house price × loan ratio.
4. The loan amount calculated according to the maximum loan amount:
Generally, if I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. I use my housing provident fund to apply for housing provident fund loans, and if I pay the housing provident fund normally when applying for loans, 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 housing provident fund loan, and the supplementary housing provident fund is normally paid by himself or his spouse when applying for a loan, the maximum loan amount is 700,000 yuan (in different places).
(The specific maximum amount varies from place to place. It is recommended to consult the local housing provident fund management center. )
The central bank clearly adheres to the "three invariants" of monetary policy. What signal does this bring to real estate?
China Housing Network News (Xiao Su, Aachen/Wen) China's economy has achieved the first global recovery. In the next stage, how will monetary policy exert its strength, will there be a turn, and will there be a so-called "exit"? This is a common concern in the market at present.
On August 25th, the State Council Press Office held a routine briefing on the State Council policy. Xiao, deputy governor of China People's Bank and chief risk officer and spokesperson of China Banking Regulatory Commission, introduced the implementation of financial institutions' policies to support the real economy and answered questions from reporters.
It is worth noting that at this policy briefing, the financial supervision department conveyed the signal of "three invariants" of monetary policy, that is, the orientation of prudent monetary policy remains unchanged, the requirements for flexible and moderate operation remain unchanged, and the determination to adhere to normal monetary policy remains unchanged.
Monetary policy: dealing with all kinds of uncertainties requires greater certainty.
According to Liu Guoqiang, deputy governor of the People's Bank of China, the quality and efficiency of financial services to the real economy are constantly improving. Money and credit grew reasonably, and the growth rate was significantly higher than last year. At the end of July, the growth rate of broad money supply M2 and social financing scale were 10.7% and 12.9%, which were 2 and 2.2 percentage points higher than that at the end of 20 19, respectively. In the first seven months, new loans were 13. 1 trillion yuan, an increase of 2.4 trillion yuan over the same period of last year. The interest rate of corporate loans has fallen sharply. In July, the corporate loan interest rate was 4.68%, down 0.64 percentage points year-on-year.
Liu Guoqiang said that keeping the rhythm of monetary policy is an important feature of this year's policy. "We didn't light all the bullets at the beginning, but we did it step by step according to the needs of coordinating epidemic prevention and control and economic development, and according to the phased key tasks. Don't worry, grasp the rhythm. "
Sun Guofeng, director of the monetary policy department of the central bank, said that the uncertainty brought by the epidemic has increased, and financial market sentiment will inevitably be affected. Monetary policy needs greater certainty to deal with all kinds of uncertainties. He put forward "three invariants": the stable monetary policy orientation remains unchanged; Keep the flexible and moderate operation requirements unchanged, so as not to make the market short of money or let the market overflow; The determination to adhere to the normal monetary policy remains unchanged. "We have not adopted an unconventional monetary policy of zero interest rate or even negative interest rate and quantitative easing, so there is no so-called exit problem." Sun Guofeng stressed.
For the next stage of monetary policy, Sun Guofeng pointed out that a prudent monetary policy should be more flexible, moderate and accurate, and improve the cross-cycle design and adjustment. In terms of the total amount, it is necessary to comprehensively use various monetary policy tools to maintain a reasonable and sufficient liquidity, maintain a reasonable growth in the money supply and social financing scale, and support the return of the economy to potential growth. Structurally, give full play to the precise guiding role of structural monetary policy tools, guide the focus of new financing to the real economy such as manufacturing and small and medium-sized enterprises, support high-quality economic development, and promote the improvement of potential output level. In terms of price, we will continue to give full play to the reform potential of the quoted interest rate in the loan market, make comprehensive measures, promote the reduction of comprehensive financing costs, and ensure the realization of the expected goal of reducing the burden on market entities by10.5 trillion yuan.
Continue to deepen the reform of LPR, and the interest rate of corporate loans will further decline.
Last August, the People's Bank of China reformed and improved the LPR formation mechanism. After a year of continuous promotion, Liu Guoqiang said that the People's Bank of China will continue to deepen the reform of LPR and promote the "two tracks and one track" of interest rates. Further optimize the transmission mechanism of LPR, urge financial institutions to better embed LPR into the FTP of loans, that is, the internal transfer pricing curve of banks, and enhance the linkage between internal and external pricing of loans and LPR. Efforts will be made to improve the central bank's policy interest rate system with the open market operating rate as the short-term policy interest rate and the medium-term lending convenience rate as the medium-term policy interest rate, so as to promote the fluctuation of market interest rates around the central bank's policy interest rate.
Does the inconvenience of MLF interest rate and LPR for four consecutive months mean that it is less necessary to reduce RRR and interest rate? Sun Guofeng responded by saying that LPR is quoted by the quoting bank on the basis of its actual loan interest rate for the best quality customers and the open market operating interest rate represented by the medium-term lending convenience rate. The extent of the increase depends on the bank's own capital cost, market supply and demand, risk premium and other factors. The spread between LPR and medium-term lending facilities, that is, the interest rate of "spicy powder", is not completely fixed, which reflects the market-oriented characteristics of quotation by quotation banks. If we observe that MLF interest rate and LPR have remained unchanged since April, in fact, several quotation banks adjust their quotations according to their own capital costs and other factors every month. Because the arithmetic average is finally taken, and the nearest rounding step of 0.05% has not been reached, the final published LPR has not changed.
Sun Guofeng said that the future trend of LPR depends on macroeconomic trends, inflation situation, supply and demand in the loan market and other factors, and depends on the market-oriented quotation of the quotation bank. At the same time, it should also be noted that LPR and loan interest rate are not a simple correspondence. In July, 2020, the corporate loan interest rate decreased by 0.64 percentage points year-on-year, which obviously exceeded the decrease of one-year LPR in the same period, reflecting the effect of LPR reform in dredging the interest rate transmission mechanism. With the LPR reform promoting the further release of the potential of loan interest rate decline, it is expected that the loan interest rate of subsequent enterprises will further decline.
In order to resolve the financial risks of real estate, the financial support policy for housing leasing is expected to increase.
Since the beginning of this year, financial supervision departments have guided financial institutions to increase their support for the development of the real economy. Behind the increased financial support for the real economy, it is mainly manifested in the excessive loans made by banks to the real estate industry in the past. Among them, the proportion of new real estate loans to all new loans reached a peak of 46% in 20 16.
Guo Shuqing, secretary of the Party Committee of the People's Bank of China and chairman of the China Banking Regulatory Commission, once said that excessive financing in the real estate industry not only squeezes the credit resources of other industries, but also easily encourages real estate investment speculation, making its bubble problem more serious.
Thanks to a series of regulatory policies and industrial policies, by the end of 20 19, the proportion of new real estate loans in all new loans has dropped to 39%. It was further reduced to 25% in June-May this year, which also effectively prevented and resolved the real estate financial risks.
Recently, Xiao Gang, a member of Chinese People's Political Consultative Conference and former chairman of China, said in an interview with the media that at present, a prominent contradiction in real estate finance is the coexistence of excessive financial supply and insufficient financial support. On the one hand, banks lend too much to the real estate industry. On the other hand, the "rent-and-purchase" system of financial services is not strong enough to accelerate the rapid development of the housing rental market. Restricted by the implementation of public services such as education, household registration, medical care and social security, there are still problems such as low rental yield, long investment return period and low social investment enthusiasm.
On August 20th, at the symposium of key real estate enterprises held by the Ministry of Housing and Urban-Rural Development and the People's Bank of China in Beijing, in addition to defining the detailed rules for fund monitoring and financing management of key real estate enterprises, the meeting also studied how to improve the financial support policy system in the housing rental market and accelerate the formation of a "rent-and-purchase" housing system.
In fact, since the beginning of this year, with the guidance and support of the Ministry of Housing and Urban-Rural Development, financial support has been provided for policy-based rental housing in accordance with the pilot work arrangement for improving the housing security system.
On May 9th, China Construction Bank signed strategic cooperation agreements with Guangzhou, Hangzhou, Jinan, Zhengzhou, Fuzhou and Suzhou to develop policy-based rental housing. It is estimated that loans of not less than 654.38+09 billion yuan will be provided in the next three years, and about 800,000 sets (rooms) of policy rental housing will be raised to solve the housing problem of millions of new citizens. On June 12, China Construction Bank signed the second batch of strategic cooperation agreements on the development of policy rental housing with Shenyang, Nanjing, Hefei, Qingdao and Changsha. According to preliminary estimates, China Construction Bank is expected to provide loans of not less than110 billion yuan in the next three years, support five cities to raise about 400,000 policy-based rental houses in a market-oriented way, and solve the housing problem of about 800,000 new citizens. Up to now, two batches of 1 1 cities have signed strategic cooperation agreements with China Construction Bank to develop policy-based rental housing.
Xiao Gang said that in order to further accelerate the "rent-and-purchase" housing system, it is suggested to deepen the real estate financial reform during the Tenth Five-Year Plan period and explore the establishment and improvement of the real estate public financial service system. How can we accomplish these tasks? Xiao Gang believes that it can be divided into two steps: the first step is to vigorously support the housing needs of low-and middle-income people; The second step is to vigorously support the construction of public rental housing. Therefore, Xiao Gang suggested that various measures should be taken to encourage and support enterprises to change from "development-sales" to "development-leasing" mode, and promote the real estate industry to change from heavy assets and liabilities to light asset management, and from real estate manufacturers to asset managers.
In this regard, Xiao Gang also put forward five specific suggestions: First, do a good job in planning, incorporate the supply of rental housing into local laws and regulations due to the city's policy, and clarify the construction standards; Second, local governments provide free and low-cost land, implement relevant preferential tax policies, increase financial support, and alleviate the operating difficulties and capital chain break risks of housing leasing enterprises; Third, support the reconstruction of idle real estate as the capital demand of the rental market, realize diversified development, save investment costs and increase effective supply; Fourth, improve the adaptability of tenants, implement differentiated rent concessions, and promote the construction of government housing rental supervision service platform; The fifth is to start the public offering of real estate trust and investment funds (REITs). For leased housing assets that are only rented but not sold, REITs will be allowed to be publicly issued for refinancing, which will enrich the investment and financing products and tools in the capital market, which will help reduce the investment atmosphere in the DPRK, reduce the financial pressure of financial institutions and enterprises, and gradually realize rolling development.
Judging from a series of signals, the financial support policy for the housing rental market is expected to increase in the future.
What are the reasons for the sharp increase in new loans in June 20 16?
The fundamental reasons are: injecting water into the economy, increasing the money supply and promoting economic growth.
The economy is so depressed that the government can only inject some water into this "pig", but it will eventually. . . .
2065438+New social financing in May 2006 is less than credit. Does social financing not include credit?
The state's control over the financial market is still very strict, and there will always be some restrictions on loans, which is also to ensure people's economic security. 20 16 may, social financing was less than credit. Does social financing not include credit?
First, what is social integration?
The full name of social financing is social financing, and the increment of social financing scale refers to the amount of funds obtained by the real economy from the financial system in a certain period of time. Social financing is an important supplementary form of economic entity financing, which makes up for the shortage of narrow financing channels and insufficient capital supply of a single bank, and is conducive to improving the financial input level of the whole society, improving the efficiency of capital utilization and stimulating rapid economic growth. Compared with the amount of new loans, social financing is a broader statistical indicator of currency circulation. The total amount of social financing includes not only new loans from financial institutions, but also stock and bond financing. Now, the statistics of money flow have been extended to the stock market and bonds, which can more truly reflect the relationship between supply and demand of social and economic funds.
Second, what is credit?
Credit is a form of value movement based on repayment and interest payment, which usually includes credit activities such as bank deposits and loans. Narrowly speaking, it only refers to bank loans, and broadly speaking, it is the same as credit. Credit is an important form of paid mobilization and allocation of funds in China, and it is also a powerful lever for economic development. In short, credit is to use the borrower's credit as a guarantee, so as to go to the bank to allocate funds for you, which can promote economic development and ease your life. This is credit.
Third, social financing does not include credit.
Many people think that social integration includes credit, but this is not the case. There are many differences between the two. Therefore, in the financial data of each year, it is likely that social financing will be less than credit, which is also normal, because the scope of credit is wider than social financing. For example, bank loans to non-financial enterprises, including credit, self-operated corporate bonds and self-operated non-standards, are all credit, and these data have also entered social integration.
How to treat the 9.8% increase in RMB loans from 2065438 to July 2006 as mortgage?
The data shows that RMB deposits decreased by 449.8 billion yuan in June 5438+ 10, an increase of 602 billion yuan year-on-year. Among them, household deposits decreased by 506.2 billion yuan, a year-on-year increase.
505.2 billion yuan. Before 10, RMB deposits increased by 4.30 trillion yuan, a year-on-year decrease of 127 billion yuan. At the end of 10, the balance of foreign exchange deposits of financial institutions was 162 1000 billion USD, down by 0.40% year-on-year. In the month of June 5438+ 10, foreign exchange deposits increased by 2.9 billion US dollars, an increase of 700 million US dollars year-on-year.
According to the analysis of the central bank, the issuance of new shares at the end of the month and the subscription of new shares by enterprises and individuals led to a large decline in deposits in June 5438+ 10.
Earlier, the Shanghai headquarters of the central bank announced that in June 5438+ 10, deposits of financial institutions in Shanghai fell by a record high in a single month. Analysts believe that the increase in down payment for individual housing purchases and the increase in early repayment of mortgage loans have also reduced the savings deposits of some residents.
In terms of loans, RMB loans from financial institutions increased by 136 1 billion yuan in June, an increase of1192 million yuan year-on-year. Household loans increased by 68.2 billion yuan, an increase of 47 billion yuan year-on-year, of which short-term loans increased by 2.7 billion yuan and medium-and long-term loans increased by 65.5 billion yuan.
In the first 10 month, RMB loans increased by 3.50 trillion yuan, which was 1. 1 times of the new loans last year.
According to the statistics of the central bank, the balance of broad money supply (M2) at the end of 10 was 39.42 trillion yuan, up by 18.47% year-on-year, with an increase of 1.53 percentage points and 0.02 percentage points higher than that at the end of last month. The balance of narrow money supply (M 1) was 14.46 trillion yuan, up by 22.2 1% year-on-year, with an increase of 4.73 percentage points and 0. 14 percentage points higher than that at the end of last month. Market currency in circulation (2.83 trillion yuan, year-on-year increase 13.43%. The accumulated net cash investment in the first 10 month of this year was124.5 billion yuan, an increase of 31300 million yuan year-on-year.