Legal analysis: The Loan Rules further standardized the standards and redefined the determination of monthly income and repayment ability. Taking 60% of the original monthly income after deducting living expenses as repayment ability, it is adjusted to not deduct living expenses; If the borrower and spouse have other loans, when calculating the repayment ability, the monthly repayment amount of other loans of the borrower and spouse shall be deducted from the monthly income of the family, or the balance of other loans shall be deducted from the current provident fund loan amount to determine the maximum loanable amount.

Legal basis: Detailed Rules for the Implementation of the Measures for the Administration of Individual Housing Loans of Qiqihar Housing Provident Fund.

The first is the upper limit of deposit base and the upper limit of monthly deposit.

In 2020, the upper limit of housing provident fund deposit base is determined to be 15929 yuan, and the upper limit of monthly deposit is 3822 yuan. The lower limit of deposit base will not be adjusted.

Second, the implementation time and payment difference.

The upper limit of the deposit base of housing provident fund in 2020 will be implemented from 1 in 2020. Depositors should handle the base adjustment business of relevant employees in time, and the difference between 2020 1 and the base adjustment date can be repaid.