You can use the official website Loan Calculator web page link.
The distinction between single and double employees is abolished in the loan amount of Dongguan provident fund loan. The maximum loan amount for the first set of self-occupied housing is 6.5438+0.2 million yuan, the maximum loan amount for the second set of self-occupied housing is 800,000 yuan, and the minimum loan amount for provident fund loans is 50,000 yuan. If the spouse fails to pay the fee for 6 months but pays the fee normally, the deposit base shall be included in the calculation of the ratio of supply exceeding demand of family income. Foreign deposit workers cannot participate in the calculation of the loanable amount in the name of their spouses. If they deposit normally, their deposit base can be included in the calculation of the supply-income ratio of household income.
Employee personal provident fund loan amount Y= personal provident fund account balance B× (deposit time coefficient t income adjustment coefficient I)× liquidity adjustment coefficient l.
Namely: y = b (ti) l.
(1) Balance of individual provident fund account: apply for the balance of employee's individual provident fund account in the current period;
(2) Deposit time coefficient: the tabulation coefficient corresponding to the normal deposit month is calculated forward from the application time. If there is an interruption, the unpaid months are not counted;
(3) Income adjustment coefficient: the table coefficient corresponding to the current monthly deposit (individual deposit and unit deposit);
(4) Liquidity adjustment coefficient: it is a loan amount adjustment parameter set according to the different situations of the provident fund's ability to meet the capital needs of employees. Official website, our center, announces the personal loan interest rate of housing provident fund to the public on a monthly basis (the second month after the end of each month). When the liquidity of funds changes and the proportion of individual loans remains in the same range for three consecutive months, the Center will announce it to the public in time, and implement the corresponding liquidity adjustment coefficient from the month following the announcement date. The liquidity adjustment coefficient applicable to the borrower's loan amount shall be subject to the corresponding liquidity adjustment coefficient when submitting the loan application for registration to the business system of the municipal housing provident fund management center.
What is the formula for calculating the loan amount of Dongguan Provident Fund?
Calculation formula of Dongguan provident fund loan amount
According to the regulations of Dongguan Provident Fund Center:
The latest policy is that the maximum loan for the first suite is 1.2 million, the maximum loan for the second suite is 800,000 and the loan amount is 50,000.
There is a formula for calculating the specific amount: Y=B(TI)L, that is, the applicant's loanable amount Y= the balance of personal provident fund account B× (deposit time coefficient T, income adjustment coefficient I)× liquidity adjustment coefficient L.
It should be noted that the deposit time coefficient T, the income adjustment coefficient I and the liquidity adjustment coefficient L all have numerical references in the municipal provident fund management center.
Among them, the deposit time coefficient t is based on the list coefficient corresponding to the normal deposit months calculated forward at the time of application, and if there is any interruption, it will not be included in the calculation; Income adjustment coefficient I refers to the list coefficient corresponding to the current monthly deposit amount (individual unit); The liquidity adjustment coefficient L is a loan amount adjustment parameter set based on the different situations of the provident fund's ability to meet the capital needs of employees.
For example, under the condition of the same deposit 10 year and loan term of 20 years, A's deposit ratio is 5%, and the monthly deposit amount (individual unit) is 300 yuan, with a deposit base of 3,000 yuan and an account balance of 36,000 yuan. Use the loan calculator to quickly calculate the maximum amount. The deposit ratio of B is 12%, the monthly deposit amount is 1.500 yuan, the deposit base is 6,250 yuan, and the account balance is 1.8 million, so the maximum loan is 660,000 yuan. From this point of view, the more the balance of the deposit account, the more the loan amount.
Extended data:
Repayment conditions of Dongguan provident fund loan:
Provident fund loans also require the repayment ability of the applicant/family-the monthly repayment amount should not be higher than 60% of the applicant/family's monthly income, which also limits the loanable amount of the provident fund.
The difference between buying a house with provident fund and not using provident fund;
The main difference between buying a house with provident fund and buying a house without provident fund is that if you apply for provident fund loans, the interest rate is generally more favorable than commercial loans.
We should know that the central bank's benchmark interest rate is applied to provident fund loans, and the annual interest rate of provident fund loans for more than five years is 3.25% (the interest rate of two sets of provident fund loans is 1. 1 times the benchmark interest rate). Commercial loans are formed by adding the LPR of the corresponding term as the pricing benchmark, and the LPR quotation for more than 5 years reaches 4.65%; As for the base point to be added, different regions and banks may have different regulations.
In this way, under the same conditions (loan amount, loan term and repayment method are the same), the repayment pressure of provident fund loan customers is easier than that of commercial loan customers.
In addition, the conditions for the use of the provident fund are actually more stringent. Only employees who have participated in the housing provident fund system can use it. Of course, there is no such restriction if you don't use the provident fund. Also, the process of provident fund loans is generally more complicated than commercial loans, so it may take a little longer.
Provident fund deduction:
Housing provident fund is usually deducted directly from employees' pre-tax income and remitted by the employees' unit (the provident fund deposit consists of two parts: the employee's individual provident fund deposit and the employee's unit provident fund deposit, which is owned by the employees themselves).
The contribution ratio of employees and units is the same, generally between 5%- 12% (see local policies for details, subject to unit regulations). The deposit base is approved according to the average monthly salary of employees in the previous year (adjusted once a year), and in principle it shall not exceed 3 times the average monthly salary of employees in the city where the work is located.
It is expressed by the calculation formula: the monthly deposit amount of housing provident fund = deposit base × unit proportion deposit base × individual proportion.
Provident funds have many uses, such as buying a house, paying off the mortgage and so on. For mortgage repayment, the credit line will be deducted from the employee's provident fund account one by one every month to repay the principal and interest due in the current month after the employee has handled the provident fund hedging loan repayment business; Annual rush is to deduct the balance of the employee provident fund account once a year to repay the principal payable.
Tax calculator 2022 calculator, can I count backwards?
In 2020, the latest tax calculator (including formula, which can be calculated backwards) has a threshold of 5000 yuan. The applicable amount in Table 1 of individual income tax rate is the whole month (the amount of wage income of workers, the income from labor remuneration (labor%) and the deduction of remuneration for quick draft).
_ _ Tax Calculator 2022 Calculator Tax Calculation Method Tax Calculation Formula
The calculation formula of _ _ payroll tax is: tax payable = (salary income-"five insurances and one gold"-deduction) × applicable tax rate-quick deduction. According to the newly promulgated personal income tax law, this website has compiled the latest version of personal income of 20 16.
_ The latest tax calculator in 2022 (including formula, which can be calculated backwards)
How to deduct lpr loan "mortgage calculator 2020 online calculation" We can predict many things. If my mortgage is 220,000, I can calculate the monthly mortgage repayment according to the current new loan interest rate. The loan is230,000. The loan network is small.
The formula of _ _ housing loan calculator is as follows: equal principal and interest: [loan principal × monthly interest rate× (1interest rate) repayment months ]⊙[( 1 interest rate) repayment months-1] average principal: monthly repayment amount = (loan principal/repayment.
_ _ The loan amount, conditions and policies of Dongguan Provident Fund in 2020: The calculation results of the loan calculator are for reference only. Specific loanable amount, loanable period, repayment method, monthly repayment amount, loanable amount and loanable amount of commercial loans.
_ _ time is the actual time of deposit or loan. Interest rate is the ratio of determined interest amount to deposit amount. The calculation method of interest is divided into simple interest and compound interest. The calculation formula of simple interest is: the sum of principal and interest = principal ×( 1 interest rate× term.
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