In 2022, the proportion of employees' and units' housing accumulation fund will be 5%~7%, and the proportion of supplementary housing accumulation fund will be 1%~5%. According to the contribution rate of 7% of employees and units, the upper limit of the monthly contribution of housing provident fund is 4786 yuan, and the lower limit is 362 yuan. According to the contribution rate of 5% of employees and units, the upper limit of the monthly contribution of supplementary housing provident fund is 34 18 yuan, and the lower limit of the monthly contribution is 260 yuan.
Can I borrow money to buy a house after the provident fund is taken out?
Of course. The withdrawal of housing provident fund has little effect on applying for individual housing provident fund loans, provided that employees can pay housing provident fund in full and on time within six months, and they have not applied for housing provident fund loans or paid housing provident fund;
Since it has been mentioned once, the balance in the account must be very low. In this case, it may lead to a reduction in the amount of personal housing provident fund loans. After all, the loan amount of individual housing provident fund is related to the account balance. The more general balance, the higher the amount that can be approved. As stipulated in Changsha, the amount of personal housing provident fund loans applied by employees' families is 15 times of the sum of the balance of housing provident fund accounts of both husband and wife.