Provident fund loan/kloc-0.5 million yuan, with a term of 5 years. The monthly repayment amount varies according to the repayment method. There are usually two repayment methods: matching principal and interest and average capital. According to the benchmark interest rate level, the repayment amount of these two repayment methods next month is as follows: the average amount of equal principal and interest is 2,678.67 yuan each, 2,843.75 yuan in the first month, about 2,505.73 yuan in the next month and 2,505.73 yuan in the last month. All employees who pay housing provident fund can apply for individual housing provident fund loans. First, provident fund loans are only based on your salary and personal credit information. The balance in the provident fund is closely related to the loan amount. The provident fund center needs to see if you have the ability to repay. The loan must bear interest. Provident fund loans are much cheaper than commercial loans. Second, provident fund consumer loans have the lowest interest rate among credit loans. If there is no problem in other aspects, the general annualized interest rate is around 5%, and you can pay interest first. First of all, 1: See how long you have paid the provident fund (whether to stop paying or change companies). Generally speaking, you can apply for provident fund for more than 6 months in a row. Try local policies. I used to work in finance in Beijing. Take Guangzhou as an example, some banks can accept the provident fund for only three months. It would be better if the continuous time exceeds 1-2 years. Products with interest first and then interest are better than those with short deposit time. 2. Look at the deposit base: some banks accept the minimum base, while others require a deposit base of more than 500, 1000 or 1200. The higher the base, the higher the salary, and the wider the range of products that can be made. The general product amount is about 20 times of the individual contribution base of the provident fund, and some cities depend on the ratio of house price and down payment: the loan amount of the provident fund is ≤ the house evaluation price-down payment. For example, Liu bought a house of 654.38+00,000 (evaluation price) in the third-tier city XX with a down payment of 30%, that is, 300,000; Then the amount of provident fund loan obtained by Liu Neng is = 1 10,000-300,000 = 700,000; Liu can use the provident fund loan to handle all the mortgages for himself. 4. Some cities are determined according to personal income level and monthly payment (for example, Beijing): 1, and the loanable amount of provident fund = (family monthly income-basic living standard)/monthly loan repayment amount per 10,000 yuan during the loan application period; 2, monthly income = individual housing provident fund monthly deposit amount ÷ housing provident fund deposit ratio; 3. The current basic living standard is 1.323 yuan per month. If the monthly income of Zhang Jiating who works in Beijing is 20,000 yuan, the monthly loan repayment amount per 10,000 yuan during the loan application period is 56.72, that is, 0.005672. Then the loanable amount of a provident fund = (20000-1323)/0.005672 = 3,292,800 (in fact, it has been exceeded, see the second part for details).
2. I borrowed 300,000 yuan from the Agricultural Bank of China for 25 years, with a monthly payment of more than 2,000 yuan. But two months ago, I was admitted to the civil service. Who can give me some advice? How to use this housing provident fund? ...
1, you just entered the official business. Provident fund loans generally require continuous payment of 12 months before they can apply for provident fund loans. Some commercial houses and two-room price-limited houses have different conditions. I suggest you go to your center for specific consultation.
2 Conditions: You can apply for provident fund loans: However, if the developer and the Agricultural Bank of China agree that you can apply for provident fund loans when your loans are converted into provident fund, the interest of provident fund loans will be much lower than that of commercial loans of the Agricultural Bank of China.
3. What is the maximum amount of the civil service provident fund in one month?
According to the individual salary base.
Different regions are different. Generally speaking, the payment mechanism of civil servants' provident fund is: individuals bear 8%- 10% of the salary base, and units pay 12%- 15%. In other words, the monthly provident fund income is 20%-25% of the individual salary base. For example, a civil servant has an income every month.
One month's provident fund for civil servants = about 30% of salary. How much provident fund can be withdrawn every month is directly related to the salary of civil servants. The composition of salary is related to the position and location of civil servants. Therefore, if this civil servant has a higher position in a more developed area, then the monthly provident fund will reach 2000 or even higher. Not sure.