The deposit base of housing provident fund refers to how much provident fund you should pay according to this figure. Generally, it is the average monthly salary of the previous year. For example, last year's average salary was 2500, and this year's deposit base was 2500, according to the standard of 12% for individuals and units.
According to your local standards, how many times a year do you accumulate provident fund? For example, if your monthly provident fund is in 400 yuan, with an annual provident fund of 4,800 yuan and an annual provident fund of 40 times (the specific figures are subject to your local regulations, which is just an example), then a * * * can apply for a provident fund loan of192,000 yuan, and the amount of the provident fund loan needs to be subject to the specific regulations of your local provident fund management center.
Because the housing provident fund policies vary greatly from place to place, the provisions on the loan amount are not the same. You can consult the local housing provident fund management center or go to official website, the local housing provident fund management center. The amount of provident fund loan is usually related to your monthly payment base, balance of provident fund account, continuous payment time, personal income, age, down payment on house purchase, total house price and other factors, and there is an upper limit.
Legal basis:
Regulations on the administration of housing provident fund
Article 16
The monthly deposit amount of employee housing provident fund is the average monthly salary of employees in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.
How many tens of thousands can a provident fund base of 2500 borrow? According to relevant regulations, employees with a monthly deposit base of 2,500 yuan can apply for a minimum loan of 300,000 yuan.