The loan amount of housing provident fund can only be determined by comprehensive calculation.

The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower.

The calculation method is as follows:

According to the repayment ability calculation formula, {(total monthly salary of the borrower, monthly contribution of the housing provident fund of the borrower's unit) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan }× loan period (month), {(total monthly salary of both husband and wife, monthly contribution of the housing provident fund of the unit )× repayment ability coefficient-total monthly repayment amount of the existing loan of both husband and wife }× loan period (month). Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution);

According to the calculation formula of house price, loan amount = house price × loan ratio, in which the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans;

According to the account balance, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than 10 times of the housing provident fund account balance when the employee applies for a loan (if the spouse housing provident fund is used to apply for a housing provident fund loan at the same time, it is the sum of the employee's and spouse's housing provident fund account balances), and if the housing provident fund account balance is less than 20,000, it shall be calculated as 20,000;

According to the maximum amount, the maximum loan amount for applying for housing provident fund loans with my own housing provident fund is 400,000 yuan, the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 600,000 yuan, the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 500,000 yuan, and the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 700,000 yuan.

Proof of loan income

In the usual study, work and life, there are quite a few things to prove. Proof is a kind of document written when verifying a person's identity, experience or the true situation of a thing. So how to draft the certificate to play its greatest role? The following is the income certificate of the loan I collected for you. I hope it will help you.

Proof of loan income 1

_ _ _ _ _ _ _ Bank:

This is to certify that _ _ _ _ _ _ _ _ _ _ is an employee of our company, with a fixed monthly income of _ _ _ _ _ _ _ and an annual income of _ _ _ _. This certificate is only used to apply for _ _ _ _ _ _ _ _ _ _ _, and it is not responsible for the legal and debt liabilities of employees.

Seal of unit:

Date: _ _ _ _ _ _ _ _ _ _ _ _ _

Proof of loan income II

I am an employee of our company (_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _).

Hereby certify!

_ _ _ _ _ _ Company (official seal)

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Proof of loan income 3

________________:

This is to certify that _ _ _ _ _ _ _ is an employee of _ _ _ _ _ _ _ _ _ _ _ _ _ _ _. So far, the total income in the past year is about _ _ _ _ _ _ yuan.

This is to certify that.

This certificate is only used to prove the employee's work and salary income in our company, and it is not used as the employee's guarantee document under any circumstances.

Stamps:

Date: _ _ _ _ _ _ _ _ _ _ _ _ _

Proof of loan income 4

This is to certify that the employees of our company (_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _) have worked in our company for _ _ _ _ _ _ _ _ _ _.

_ _ _ _ _ _ _ _ _ _ Company

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Proof of loan income 5

1. How to open the proof of provident fund loan income?

The salary certificate of provident fund loan needs to be issued by the work unit, which is generally the responsibility of the personnel department. It should be noted that some friends have already left their jobs or just joined a new company when they apply for loans. In this case, the bank will generally not agree to your loan request. Therefore, friends who want to apply for provident fund loans should not easily jump ship before the loan.

For self-employed people who can't issue salary certificates, they can explain the situation to the bank, and the bank will make an auxiliary proof of repayment ability.

The requirements for filling in the wage certificate for provident fund loans are as follows:

1, the salary amount shall be truthfully filled in, and the amount filled in shall be subject to the actual salary;

2. Try to use printed copies of income certificates to avoid mistakes;

3. The original salary certificate must be provided, that is, the company's seal must be bright red, and the copy (whether it is black and white or color printing) cannot be used;

4 must be stamped with the seal of the unit wage department or the official seal of the unit, and the subject name of the seal should be consistent with the name of the unit housing provident fund account;

5. The certificate was issued in the month or last month of the application date;

6. After deducting the monthly contribution of family members' provident fund, the monthly repayment amount of housing provident fund loans shall not exceed 50% of the family's monthly income, and the per capita residual income shall not be less than 3 times of Fuzhou's basic living security expenditure.

Second, the conditions of provident fund loans

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.

2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

Third, the provident fund loan inquiry tool

By using the provident fund loan filter, we can learn more about the policies and repayment of provident fund loans.

Operating steps of provident fund loan inquirer:

Step 1: Fill in the basic information of provident fund loan according to the prompt;

When users apply for provident fund loans, when inquiring about provident fund loans, they need to choose whether to introduce a guarantee company to undertake phased guarantee responsibilities, whether it is a first-hand house or a second-hand house (introducing a guarantee company can enable the seller to obtain all the funds after the transfer);

Step 2: After completing the above operation steps, the user clicks the "Query" button;

Under normal circumstances, the borrower of provident fund loan needs the provident fund management center to undertake the guarantee when handling the provident fund loan, and the borrower needs to pay the guarantee fee.

According to the law, it can be known that the salary certificate of provident fund loan needs to be issued by the work unit, which is generally the responsibility of the personnel department. Of course, you can also entrust others to issue it to the employer.

Proof of loan income 6

1. How to open the personal loan income certificate?

Personal loan salary certificate requires income certificate, generally monthly income, that is, after-tax salary, bonus allowance, housing provident fund, share dividend and other income, but it should be noted that different bank income certificate formats are different. Moreover, some companies also have their own fixed income proof model, and the specific situation needs to be analyzed according to the situation of banks and units.

If there is a payment certificate issued by the work unit, you need to pay attention to the necessary contents of the format, such as personal name, ID card, position, salary table, length of service, etc. There is also the official seal or personnel seal of the company, and the copy is invalid. In addition, the signature of the person in charge of the company's address unit is required.

If the income before tax is paid, personal income tax needs to be deducted, and the income after the average monthly income must meet more than twice the monthly supply plus liabilities. The bank will ask the borrower to provide a monthly income, which is more than twice the sum of his monthly repayment and other liabilities.

2. What are the conditions for interest-free loans?

1. identification and business premises

The loan applicant must have a legal and valid identity certificate, proof of legal residence in the place where the loan bank is located, and a fixed residence or business place. The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities.

2. Proof of funds

The loan applicant's investment project requires that he already has some self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total amount of funds needed by lenders for normal production and business activities and for purchasing (installing or repairing) small equipment and franchising.

3. Settlement account

The loan applicant must open a settlement account with the loan bank, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity.

4. Letter of loan guarantee

Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge, third-party guarantee, etc. In addition, they should also provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and facilitate the smooth acquisition of loans.

Third, the legal basis in contract law and commercial bank law.

Contract law of the people's Republic of China

Article 199 stipulates: "When concluding a loan contract, the borrower shall provide the true information about the business activities and financial situation related to the loan according to the requirements of the lender."

Article 202 stipulates: "The lender may inspect and supervise the use of the loan in accordance with the agreement. The borrower shall provide relevant financial and accounting statements and other materials to the lender on a regular basis as agreed. "

People's Republic of China (PRC) Commercial Bank Law

Article 35 stipulates: "Commercial banks should strictly examine the borrower's loan purpose, repayment ability and repayment method."

From the full text, we can easily see that whether in the Contract Law, the Loan Contract Regulations, the Commercial Bank Law, or in the actual application requirements, the state implements "combining leniency with severity" for loans, that is, providing loan channels, but there are certain requirements for loan application conditions. How to prove that personal loan income is just one of them. I think it is very good to find a legal network, so that people who really need loans can borrow the funds they need and avoid it.

Proof of loan income 7

First, how to open the income certificate of the bank loan unit

The income of most loans proves to be bank running water, which generally requires borrowers to run water in the last six months. You can bring your bank card and ID card directly to the bank for printing. There is no charge for printing bank running water, but the bank needs to stamp the relevant seal after printing.

Bank flow generally refers to the records of deposit and withdrawal transactions in bank accounts, including wages, transfers, consumption, etc. According to different accounts, bank flow can generally be divided into corporate flow and personal flow; Personal bank flow is an indispensable material when applying for loans, such as mortgage, car loan, credit loan and so on.

If the loan amount is relatively large and the bank's running water can't meet the loan requirements, then other financial proof materials need to be submitted, and the loan will not be released until the bank meets the requirements. If you can know in advance that you need a loan, you can brush the running water six months in advance, so you can get a very beautiful bank running water.

2. What are the loan guarantee methods?

Loan guarantee methods include mortgage, pledge and other guarantee methods. According to the division of responsibilities, guarantee methods can also be divided into general guarantee responsibility and joint guarantee responsibility. According to collateral, it can also be divided into human guarantee and material guarantee.

Three, the epidemic bank loans can be overdue payment?

You can apply for overdue repayment, but it needs to be reviewed and confirmed by the banking institution. According to the relevant policies and regulations, those who are hospitalized or quarantined with new pneumonia, those who need to be quarantined due to epidemic prevention and control, and those who participate in epidemic prevention and control, who fail to repay in time due to the impact of the epidemic, can submit relevant overdue loans without overdue records, and the submitted loans can be adjusted. Individuals and enterprises that temporarily lose their sources of income due to the epidemic can submit credit records according to the adjusted repayment arrangements.

According to the Notice on Further Strengthening Financial Support to Prevent and Control novel coronavirus jointly issued by the People's Bank of China, Ministry of Finance, China Banking Regulatory Commission, China Securities Regulatory Commission and Foreign Exchange Bureau. For those hospitalized or isolated people with new pneumonia, those who need isolated observers for epidemic prevention and control, those who have temporarily lost their livelihood due to the epidemic, financial institutions should appropriately tilt their credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgage and credit card, and reasonably postpone the repayment period. Personal business guarantee loans infected with new pneumonia can be extended for one year and continue to enjoy financial discount support. Financial institutions should give priority to customers infected with new pneumonia or damaged by the epidemic, appropriately expand the scope of responsibility and make full compensation.

How can I find out how many provident fund loans I can borrow?

1. Customer service inquiry: Call the customer service number of the local housing provident fund management center and inquire through the automatic voice system (charged by ordinary local calls).

2. Inquiry in official website: You can log in to official website, the local housing provident fund, and enter your user name and password for inquiry.

3. Calculator query: use the online housing provident fund loan calculator to query. The general repayment method is average capital or equal principal and interest, and fill in the loan term, provident fund loan amount and provident fund interest rate; Select whether to display repayment details, and click "Calculate" to obtain detailed information such as monthly repayment amount, total loan interest and total repayment amount.

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Provident Fund:

Provident fund, usually refers to housing provident fund, and sometimes also refers to company provident fund. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.

From July 20 17 1 day, the transfer and connection of housing provident fund in different places are all handled through the "National Platform for Transfer and Connection of Housing Provident Fund in Different Places". Gradually realize "accounts go with people, money goes with accounts". At the same time, we will vigorously promote off-site loan services to meet the funding needs of paid employees for cross-regional housing purchases.

20 16, 18 On February 8th, according to the Notice of the Central Bank, the Ministry of Housing and Urban-Rural Development and the Ministry of Finance on Perfecting the Formation Mechanism of Deposit Interest Rate in Employees' Housing Provident Fund Account, the deposit interest rate in employees' housing provident fund account was adjusted from the current benchmark interest rate for current and three-month deposits divided by collection time to the unified benchmark interest rate for one-year time deposits on February 2nd.

Where can I inquire about provident fund loans?

How to inquire about the loan amount of housing provident fund? More and more people apply for housing provident fund loans, but some people may not know how to check their loan amount. This paper introduces three methods to inquire about the loan amount of housing provident fund.

A, line query method

1, customer service query:

Online consultation

Call the local housing provident fund management customer service phone and inquire through the automatic voice system (charged by ordinary local telephone).

2, official website query:

You can log in to official website, the local housing provident fund, and enter the user name and password for inquiry.

3, calculator query:

Use the online housing provident fund loan calculator for inquiry. The general repayment method is average capital or equal principal and interest, and fill in the loan term, provident fund loan amount and provident fund interest rate; Select whether to display repayment details, and click "Calculate" to obtain detailed information such as monthly repayment amount, total loan interest and total repayment amount.

Bian Xiao reminded:

Due to different local policies in different provinces and cities, there are deviations in accounting methods, required information and final loan amount. For a reliable inquiry method of housing provident fund loan amount, it is suggested that borrowers bring their ID cards to the local credit information office for inquiry.

Second, the line calculation method

1. First, it is necessary to calculate the monthly income of the lender and the applicant: monthly income = monthly contribution of individual housing provident fund ÷ contribution ratio of housing provident fund;

2. Secondly, it is necessary to calculate the upper limit of the family loanable amount: the upper limit of the loanable amount is the remaining amount of the family's monthly income after deducting at least 400 yuan's living expenses, and then divided by the monthly repayment amount of each 10,000 yuan loan within the loan application period;

3. After that, the specific loan amount should consider the upper limit of the single loan amount, the upper limit of the loanable amount, the lower limit of the down payment amount, the credit rating and the collateral evaluation value.

4. Calculation formula:

Loan amount = sum of individual monthly contributions of the borrower and spouse to provident fund ÷ actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient )× loan period.

Provident fund housing loan is indeed a more suitable way for our daily working class to buy a house, because provident fund can not only reduce the pressure on everyone to buy a house, but also reduce the pressure on newly employed people to rent a house. The scope of use of housing provident fund is only in buying a house, decorating and renting a house, so we should have a basic understanding of how to use housing provident fund to bring benefits to ourselves.

App that can use provident fund loans

House prices have been high, and many people need to apply for provident fund loans if they want to buy a favorite house. Nowadays, many loans can be operated directly on mobile phones, and there are also many apps that apply for provident fund loans. Let's take a look at the provident fund loan app.

5 1 provident fund manager is an APP that provides housing provident fund inquiry, provident fund loans, provident fund payment services, online financial management and investment functions. It is a tool for purchasing house decoration assistants and making good use of provident fund managers! There is also a mortgage calculator, which can calculate mortgage and repayment interest with one click, and calculate repayment without worry. The provident fund policy, provident fund loans and cash withdrawal are super worry-free, and the tax calculator is more convenient to calculate taxes and fees! At the same time, combined with the wealth management products of major banks, the expected annualized expected income is raised online!

Social security provident fund query is an Android software, which can query social security and housing provident fund. The UI is dazzling, more user-friendly, and software can be seen everywhere.

9 1 provident fund inquiry Android version is a user-friendly provident fund service software, and it is a super easy-to-use mobile provident fund app. There is a provident fund query, check the balance and check the monthly payment, and the details are clear; Covering more than 400 large, medium and small cities in China, provident fund inquiry in Beijing, Shanghai, Shenzhen, Guangzhou, Tianjin, Wuhan, Chengdu, Chongqing and other regions supports functions such as inquiry, loan, calculation and payment.

The social security provident fund is connected with the local social security/provident fund system through the Bank of China, providing services such as social security inquiry and payment, provident fund information inquiry and card loss reporting for BOC customers. Social security functions: payment of five insurances, inquiry of payment and fee allocation information, binding of social security cards, temporary loss reporting and password setting of social security accounts, etc. Provident fund functions: provident fund payment information, provident fund account change details query, etc.

Fish provident fund inquiry app is a provident fund inquiry tool. Through the fish provident fund inquiry app, users can inquire about housing, social security provident fund, credit report and other information at any time, and also know the details of the provident fund policy in time.

Social security provident fund manager is a query management tool that integrates provident fund query, social security query and personal credit query. Through professional inquiry system and powerful verification encryption system (RSA encryption), you can quickly inquire about your own provident fund balance, deposit, details, social security deposit, details, personal credit report, etc.

"Essentials of Housing Provident Fund" combs the relevant items of housing provident fund management in China, and carefully analyzes all kinds of necessary knowledge of housing provident fund, so that you can quickly understand the common sense and process of housing provident fund.

Provident fund loan is a mobile phone loan service artifact, which is a practical tool integrating inquiry, mortgage, withdrawal and deposit of provident fund. Here, you can easily check the social security service of the provident fund online, and you can also know the details of the provident fund. Don't miss it if you need it!

Whether you want to apply for provident fund loans, inquire about provident fund loans, or deposit and withdrawal of provident fund, there are always some funds suitable for you in these apps, so download a provident fund app that belongs to you!

How to inquire about the progress of provident fund loans

There are five main ways to query housing provident fund:

1: inquire about the affairs hall window of the local housing provident fund management center.

2. Inquiries from local provident fund joint card handling units and banks.

3. nationwide, 12329 voice service hotline has been opened for inquiry.

4. Relevant provident fund network query interface.

5. You can log on to the website of the local provident fund management center.

Extended data:

(1) Provident fund usually refers to housing provident fund, and sometimes also refers to company provident fund. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.

(2) 2065438+65438 On October 20, 2005/kloc-0, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued the Notice of the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China on Relaxing the Conditions for Withdrawing Housing Provident Fund to Pay Rent, in order to protect the legitimate rights and interests of employees who have paid housing provident fund, improve the withdrawal mechanism of housing provident fund, improve the effectiveness and fairness of the system and promote development.

(3) According to the current provident fund management system in China, except for Beijing, Shanghai, Tianjin and Chongqing, individual housing provident funds in all provinces and regions of China are managed by the housing provident fund management centers of prefecture-level cities scattered all over the country. Therefore, local citizens need to inquire about the balance of individual housing provident fund, and also need to go to the corresponding housing provident fund management center for inquiry. For the convenience of the public, except for a few places (except a few), the online inquiry of provident fund has been realized.