The loan amount of provident fund should be combined with: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount. The minimum value calculated according to these four conditions is the maximum loanable amount of the borrower. The amount of housing provident fund loans in different cities is different. For example, Ping An Bank applies for provident fund loans in Shenzhen, and the amount of a single housing provident fund loan is:
1, you can borrow 12 times the balance of the applicant's housing provident fund account. 10% of the loanable amount if the provident fund has not been withdrawn for three consecutive years before the application;
For example, the balance of the housing provident fund account is 30000, and 12 times is 360000; If you have not withdrawn the provident fund for three consecutive years, you can borrow 3600003600010% = 396000;
2. Individuals can borrow up to 500,000 yuan, and applicants can borrow up to 900,000 yuan;
3. Not higher than the difference between the total purchase price and the down payment;
4. The monthly repayment amount (calculated by equal principal and interest) shall not exceed 50% of the deposit base of the applicant and the applicant himself.
Tips: The above contents are for reference only. For details, please call the housing provident fund service hotline 12329.
Reply time: 202 1-08-05. Please refer to the latest business changes announced by Ping An Bank in official website.
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What does the monthly contribution of provident fund 1000 mean? How much can I borrow? -Stock market finance
Housing provident fund is an integral part of five insurances and one fund. Many people will use it to apply for provident fund loans or withdrawals, which is really a good thing. However, many people still don't understand the relevant provisions of the provident fund, such as the contribution part. Then, what does it mean that the monthly contribution of the provident fund reaches 1000? Let's go and have a look.
housing accumulation fund
In fact, the monthly deposit of housing provident fund is 1 000 yuan, which means that the individual provident fund is allocated to 1 000 yuan every month, and this 1 000 yuan includes the part paid by individuals and units. Generally speaking, the contribution ratio of units and individuals to the provident fund is 1: 1, and the balance of the provident fund is 1 1,000 yuan, that is, the individual pays 500 yuan and the unit pays 500 yuan.
As we all know, housing provident fund can apply for loans, and the interest rate is relatively low. The monthly deposit amount of the provident fund is 1 000 yuan, and if it is paid continuously for six months, you can apply for a provident fund loan. If the account balance is 6000 yuan, the loan amount can be 10-20 times of the balance.
How much can Jiangmen Provident Fund 1000 borrow every month?
How much can Jiangmen Provident Fund 1000 borrow every month?
Answer: Jiangmen Provident Fund can borrow 1000 yuan per month. I hope I can help you!
Provident fund is paid monthly 1000. How much can I borrow a year?
The loan amount of housing provident fund varies according to local policies. Taking Zhengzhou Housing Provident Fund as an example, the maximum loan is 600,000 yuan, of which the loan amount is calculated according to the formula: loan amount ≤ deposit account balance ×( 14 year deposit amount).
According to the loan amount stipulated in the Instructions for Housing Provident Fund Loans issued by Zhengzhou Housing Provident Fund Center. The loan amount is also determined according to the following three situations:
1. The loan amount shall not exceed the corresponding maximum limit. If the husband and wife have continuously paid the housing provident fund in Zhengzhou City (including counties and districts, excluding industrial system) for more than 6 months, and they purchase housing in Zhengzhou City (including counties and districts) and apply for provident fund loans for the first time, the loan amount shall not exceed 600,000 yuan; In other cases, the loan amount applied for is not more than 400,000 yuan.
2. The loan amount shall not exceed the prescribed multiple of the deposit balance. That is, the amount of a single loan is determined according to the balance of the deposit account and the deposit time of the housing provident fund. The calculation formula is as follows: loan amount ≤ deposit account balance× (14-year deposit).
3. The monthly repayment amount of the loan shall not exceed 60% of the sum of the income of the borrower and spouse, and the loan amount shall be reduced accordingly.
Extended data:
Provisions on the loan term and method in Notes on Housing Provident Fund Loans:
1, with a maximum loan term of 30 years;
2. When buying a second-hand house that has not been built for more than 20 years, the longest loan period is 20 years, and when buying a second-hand house that has been built for more than 20 years. Maximum loan term 15 years;
3. The loan term can cover 5 years after the statutory retirement age of the borrower.
The loan interest rate shall be implemented according to the housing provident fund loan interest rate published by the People's Bank of China. When the state adjusts the interest rate, it will not adjust the interest rate in that year, and the latest interest rate will be implemented from 1 the following year. If a loan contract has been signed and there is no loan, the latest interest rate will be directly implemented when the loan is made. If a family applies for a provident fund loan for the second time, the loan interest rate is 1. 1 times of the individual housing loan interest rate of the housing provident fund in the same period. The loan interest rate paid to employees in special industries is also adjusted according to the rules stipulated in the contract.