公积金贷款额度怎么计算 公积金贷款额度的计算方法英文双语对照

1、以还贷能力为依据的公积金贷款计算公式为：贷款额度 = [（借款人或夫妻双方月工资总额 + 借款人或夫妻双方所在单位住房公积金月缴存额）× 还贷能力系数40% ㄧ 借款人或夫妻双方现有贷款月应还贷额 ] × 12（月）× 贷款年限。其中月工资总额 = 公积金月缴额 ÷（单位缴存比例 + 个人缴存比例）；

2、以房屋价格为依据的公积金贷款计算公式为：贷款额度 = 房屋价格 × 贷款比例。其中贷款比例根据不同类型来确定，一般来说，购买房屋的建筑面积超过90平方米的，贷款额度不得超过所购房款的70%；建筑面积在90平米以下的，贷款额度不得超过所购房款的80%。

3、按照贷款最高额度计算：使用本人住房公积金申请贷款公积金贷款的，且符合其申请条件的，最高限额为50万元；同时使用配偶住房公积金申请贷款的，且符合贷款申请条件的，贷款最高限额为70万元。

4、以公积金账户余额为依据的公积金贷款计算公式为：公积金贷款额度 = 借款人及参贷人公积金账户余额 × 20。

1, the formula of computation of accumulation fund loan that is a basis with still shifting capacity is: Loan specified amount spends = [(borrower or amount of monthly wages of both sides of husband and wife + lunar capture puts borrower or accumulation fund of housing of unit of place of both sides of husband and wife the forehead) × still borrows borrower of ㄧ of ability coefficient 40% or both sides of husband and wife to have loan month to still should lend the specified amount] × 12 (month) × loan fixed number of year. Among them ÷ of forehead of capture of accumulation fund month of = of monthly wages amount (unit capture puts scale + individual capture puts scale) ;

2, the formula of computation of accumulation fund loan that is a basis with house price is: Loan specified amount spends proportion of loan of × of = house price. Borrow money among them scale decides according to different type, generally speaking, the floor area that buys a house exceeds 90 square metre, loan specified amount is spent 70% what what must not buy house fund more than; Floor area is in 90 under smooth rice, loan specified amount is spent 80% what what must not buy house fund more than.

3, according to loan highest forehead spends computation: Use him housing accumulation fund to apply for loan accumulation fund to borrow money, and accord with its to file a requirement, ceiling is 500 thousand yuan; At the same time accumulation fund of use spouse housing applies for loan, and accord with loan to file a requirement, loan ceiling is 700 thousand yuan.

4, the formula of computation of accumulation fund loan that is a basis with remaining sum of accumulation fund account is: Specified amount of accumulation fund loan spends = borrower and ginseng to borrow × of remaining sum of account of person accumulation fund 20.