The maximum loanable amount of general provident fund loans is 6,543,800 yuan, of which the loanable amount of single deposit employees does not exceed 500,000 yuan.

The calculation method of the loanable amount of provident fund is as follows:

1, calculated by account balance. The first method is to calculate according to the account balance of housing provident fund. The loan amount cannot exceed 65,438+00 times of the account balance. If the loan is for both husband and wife, it cannot exceed 10 times of the total balance of two provident fund accounts. Less than 20,000, calculated as 20,000.

2. according to the maximum. If the individual has cut off the provident fund, the loan from the provident fund cannot exceed 400,000 yuan, and the loan from the husband and wife provident fund cannot exceed 600,000 yuan. If the provident fund is not cut off, the maximum loan is 500,000, and the maximum loan for both husband and wife is not more than 700,000;

3. Calculated according to repayment ability. The amount of provident fund loan is (monthly deposit * total months of legal retirement age+balance of provident fund account).

The loan amount of individual housing provident fund depends on the borrower's repayment ability and comprehensive qualification, as well as the balance of housing provident fund account, housing appraisal value, local market conditions and other factors.

legal ground

Regulations on the administration of housing provident fund

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.

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What is the maximum loanable amount of housing provident fund?

65438+ ten thousand, the maximum amount of common provident fund loans is the account balance * 10. If it is less than 10, it is calculated as 10, which means that the maximum loan can be 10, which depends on your payment base, so the maximum loan can be 10.

There are also restrictions on the amount of provident fund loans. The general loan amount is determined according to the time we pay and the amount in the provident fund account. The total amount of provident fund loans is generally your monthly deposit multiplied by the total number of months of statutory retirement age, plus twice the balance of the provident fund account.

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.

The definition of housing provident fund includes the following five aspects:

(1) The housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas.

(2) Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.

(3) The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit.

(4) The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.

(5) The housing accumulation fund is a personal housing savings fund specially used by employees for housing consumption expenditure according to regulations, which has two characteristics:

First, it is cumulative, that is, the housing provident fund is not an integral part of employees' wages, and it is not paid in cash. It must be deposited in a special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented.

The second is special. The housing provident fund is earmarked for special purposes and can only be used for the purchase, construction, overhaul of self-occupied housing or the payment of rent during storage. Only when employees leave, retire, die, completely lose their ability to work, terminate their labor relations with their units or move out of their original cities can they withdraw housing provident fund from their accounts.

According to China's regulations, all enterprises, whether state-owned or private, must deposit and pay housing provident fund for their employees.

What is the standard of housing provident fund loan amount?

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Housing provident fund has now become one of the important references for job seekers, especially those who work hard in different places. If they want to buy a house in other places, the provident fund is essential. Then, what is the standard of housing provident fund loan amount? Today, Bian Xiao will talk to you about housing provident fund.

1. What is the standard of housing provident fund loan amount?

1. According to the repayment ability: the total monthly salary of the borrower+the monthly contribution of the housing accumulation fund of the borrower * the repayment ability coefficient-the monthly repayment amount of the borrower * the number of loan months;

2. According to the spouse's income: the total monthly salary of both husband and wife+the amount of housing provident fund paid by both husband and wife's work units * the repayment ability coefficient-the total monthly repayment amount of existing loans of both husband and wife * the number of loan months. Among them, the repayment ability coefficient is 40%.

3. According to the house price: loan amount = house price × loan ratio.

4. According to the maximum loan amount: 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.

Second, how to calculate the housing provident fund

1, the housing accumulation fund is not entirely borne by individuals, but is jointly paid by individuals and units. Among them, the individual contribution is my average total salary in the previous year * the contribution ratio of individual housing provident fund for employees.

2. The proportion of provident fund paid by the unit for employees is: the average total wages of employees in the previous year * the proportion of housing provident fund paid by the unit.

3. For employees who receive wages according to the local lower wage standard, the individual deposit part can be exempted, and the unit deposit part is still paid by the employee's unit according to the prescribed proportion.

5. The lower deposit ratio of employee housing provident fund and unit housing provident fund is 5% respectively, and the higher deposit ratio is 12%, which shall not be less than 5%.

Summary: The above is all about the standard of housing provident fund loan amount. I hope the contents of the provident fund can help everyone.

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How much can I borrow from the housing provident fund?

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Provident fund loans will be more cost-effective than commercial loans, but many people don't know how much money they can buy a house with provident fund loans, and they don't understand some restrictions on provident fund loans. So how much can the housing provident fund loan be? How much can I save by buying a house with the housing provident fund? Let's take a look with Bian Xiao.

1. How much can I borrow from the housing provident fund?

1, loan amount of housing provident fund = (individual contribution to provident fund ÷ individual contribution ratio -400)÷ repayment coefficient per 10,000 yuan.

2. The maximum loan amount of the housing provident fund can reach 80% of the appraised value of the purchased house.

3. The maximum loan amount of housing provident fund can reach 800,000. If the credit rating reaches AA level, the maximum loan can be 920 thousand; If the credit rating reaches AAA, the maximum loan can be10.04 million.

These three articles also limit the maximum amount of housing provident fund loans. When there are differences between these three articles, the one with the lowest loan amount of housing provident fund shall prevail.

Second, how much can I save by buying a house with the housing provident fund?

1. With the same loan amount and the same loan term, using provident fund loans can save tens of thousands of yuan in interest than commercial loans. Let's take a house with a value of 400,000 and a loan of 280,000 as an example. If the term of the commercial loan is 25 years, the monthly repayment will be 172 1 yuan. The total amount to be repaid in 25 years is 5,654,380+0,630 yuan, and the interest to be repaid is 236,300 yuan. If the same provident fund loan is used for 25 years, the total interest to be paid is only 184400 yuan. The interest expense difference between them is 5 1.900 yuan.

2. For the same loan amount, the repayment amount is the same. The repayment time of provident fund loans is shorter than that of commercial loans, and the repayment interest is much less. If the same loan is 280,000 yuan and the monthly repayment is 172 1 yuan/month, then the total interest required for commercial loans is 232,300 yuan, and it will take 25 years to pay off all the loan principal and interest. When the provident fund loan is paid off on 25 1 month, that is, 2 1 year, all the loan principal and interest have been paid off.

3. The repayment methods of provident fund loans and early repayment are more convenient and flexible. As long as the monthly repayment amount of the lender is not lower than the "lower repayment amount", then the monthly repayment amount can be determined at will, which is very convenient for the lender to arrange the monthly capital expenditure.

The above is about how much money the housing provident fund can lend and how much money can be saved by buying a house with the housing provident fund. Before using the housing provident fund to buy a house, we should understand the benefits and restrictions of provident fund loans, so as to better plan our expenses and avoid some unexpected things.

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