公积金贷款金额怎么算 公积金贷款金额的计算方法英文双语对照

1、贷款额度计算公式：借款人申请贷款时近12个月的每月末住房公积金账户余额平均值×规定倍数+借款人配偶申请贷款时近12个月的每月末住房公积金账户余额平均值×规定倍数（取千元整数）。其中，缴存职工申请贷款缴存不足12个月的，按照12个月计算平均值。规定倍数：目前按照15倍，住房公积金中心可根据全市存贷比情况进行调整。

2、最高、最低贷款额度：夫妻双方均正常缴存住房公积金的最高贷款额度为50万元，单身或单方正常缴存住房公积金的最高贷款额度为30万元。根据公式计算的贷款额度高于规定上限的，按照最高贷款额度确定贷款金额，低于上限的，按照计算的额度确定贷款金额。

3、根据公式计算的可贷款额度低于20万元的，可按照20万元确定贷款额度。最低贷款额度的例外情况：住房总价-首付金额或住房总价-已提取金额小于20万元的，按照住房总价-首付金额或住房总价-已提取金额计算贷款额度。

4、首付金额：可贷款额度=房屋总价-首付金额。

5、购房提取住房公积金总额：可贷款额度=房屋总价-购房提取住房公积金总额。

6、根据以上四个方面进行计算后，最低值即为最终可贷款额度。

1, loan specified amount spends computational formula: The account of accumulation fund of housing of every months of end of nearly 12 months when borrower applies for loan × sets remaining sum average multiple + the housing of every months of end of nearly 12 months when borrower spouse applies for loan × sets average of remaining sum of accumulation fund account multiple (take 1000 yuan of integer) . Among them, capture puts a worker to apply for loan capture to put those who be not worth 12 months, according to average of 12 months computation. The regulation is diploid: At present according to 15 times, center of housing accumulation fund can be put according to whole town borrow undertake adjustment than the circumstance.

2, specified amount of loan of highest, lowest spends: Husband and wife is bilateral all the highest loan specified number that regular pay puts housing accumulation fund is spent it is 500 thousand yuan, the highest loan specified number that lone or odd square regular pay puts housing accumulation fund is spent it is 300 thousand yuan. According to formulary calculative loan specified amount spends prep above to set upper limit, spend affirmatory loan amount according to highest loan specified amount, under upper limit, spend affirmatory loan amount according to calculative forehead.

3, can borrow money according to formulary calculative the forehead is spent under 200 thousand yuan, can decide according to 200 thousand yuan loan specified amount is spent. The exceptional circumstance that lowermost loan specified amount spends: Housing total prices - head Fu Jin forehead or housing total prices - already extracted amount to be less than 200 thousand yuan, according to housing total prices - head pay amount or housing total prices - already extracted specified amount of amount computation loan to spend.

4, head pay amount: Can borrow money the forehead spends = building total - head pay amount.

5, amount of accumulation fund of housing of the extraction that buy a house: Can borrow money the forehead spends = building total - amount of accumulation fund of housing of the extraction that buy a house.

6, after according to above 4 respects have consideration, lowermost value is namely can borrow money finally the forehead is spent.