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2. What is the loan amount of Jiangxi Jishui Provident Fund?
The specific loan amount should also consider the maximum amount, maximum loanable amount, minimum down payment and credit rating of a single loan.
By account balance
When employees apply for housing provident fund loans, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when employees apply for loans (if the spouse housing provident fund is used to apply for housing provident fund loans at the same time, it is the sum of the balance of the employee's and spouse's housing provident fund accounts). If the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000.
According to the maximum limit
If I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan.
I use my housing provident fund to apply for a housing provident fund loan, and if I normally repay the housing provident fund when applying for a loan, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.
When applying for a loan, employees or their spouses pay housing subsidies normally on a monthly basis, with reference to the provisions on normal payment of supplementary housing provident fund.
The calculated loan amount is reserved to thousand, and the number below thousand is not zero plus one.
3. What is the loan amount of Jiangxi Jishui Provident Fund?
The specific loan amount should also consider the maximum amount, maximum loanable amount, minimum down payment and credit rating of a single loan.
By account balance
When an employee applies for a housing provident fund loan, the balance of the housing provident fund account at the time of the loan (the sum of the balance of the spouse's housing provident fund account and the spouse's housing provident fund account at the same time) is 10 times, and if the balance of the housing provident fund account is less than 20,000, it will be calculated as 20,000.
According to the maximum limit
I use my own housing provident fund to apply for housing provident fund loans, and use my spouse's housing provident fund to apply for housing provident fund loans. The maximum loan amount is 600,000 yuan.
I use my housing provident fund to apply for housing provident fund loans, and the maximum loan amount is 500,000 yuan; At the same time, when using the spouse housing provident fund to apply for a loan, the normal high limit for myself or his spouse is 700,000 yuan.
When applying for loans, employees' housing subsidies shall be implemented with reference to the provisions on the normal deposit of supplementary housing provident fund.
The calculated loan amount is reserved to thousand, and the number below thousand is not zero plus one.