I would like to ask the maximum amount of Nanjing provident fund loans in 2022? 1 ten thousand.
The maximum amount of provident fund loans in Nanjing is 6,543,800 yuan. Nanjing has increased the amount of provident fund loans. Since May 20, 2022, the first housing provident fund loan amount has been adjusted from 300,000 yuan/person to 500,000 yuan/person. The maximum loanable amount for purchasing the second housing provident fund is adjusted from 600,000 yuan per household of husband and wife to 6,543,800 yuan per household of husband and wife.
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to the national regulations, all employees who have paid the provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans.
Nanjing provident fund loan amount
The maximum amount of Nanjing housing provident fund is 300,000 RMB for individuals and 600,000 RMB for couples.
1. A single provident fund loan is based on husband and wife, and the loan amount is the lowest of the following three items:
(1) The loan amount determined according to the borrower's repayment ability. The calculation formula is: the monthly deposit of the borrower's housing provident fund/the ratio of the borrower's housing provident fund × the individual repayment ability coefficient × 12 (month )× the actual loanable period. If both husband and wife have paid the provident fund and borrowed jointly, the loan amount shall be the sum of the loan amounts calculated by both husband and wife. The spouse is an active officer (including a non-commissioned officer), and the loan amount is the maximum personal loan.
(2) The loan amount determined according to the proportion of the specified loan amount to the total house price. Purchase the first set of self-occupied housing or the second set of improved ordinary housing, and meet the conditions, and the loan amount does not exceed 80% of the total house price; If the borrower uses the money to buy a house, the money should be fully included in the down payment, and the deducted part is not counted as the loan amount.
(3) the prescribed maximum loan amount. The maximum amount of employee loans paid by husband and wife into provident fund is twice that of personal loans.
(4) In 20021year, Nanjing Housing Provident Fund Management Center published three revised documents, namely, Nanjing Housing Provident Fund Deposit Rules, Nanjing Housing Provident Fund Withdrawal Rules and Nanjing Housing Provident Fund Loan Rules. The new document will be implemented from May 202 1 day to May 1 day.
Upper limit of Nanjing provident fund
The maximum amount of provident fund loans in Nanjing is 6,543,800 yuan. It is understood that Nanjing has increased the amount of provident fund loans. Since May 20, 2022, the first housing provident fund loan amount has been adjusted from 300,000 yuan/person to 500,000 yuan/person. The maximum loanable amount for purchasing the second housing provident fund is adjusted from 600,000 yuan per household of husband and wife to 6,543,800 yuan per household of husband and wife.
Since May 20, 2022, the Provident Fund Center has accepted applications for provident fund loans in accordance with the adjusted loan policy. Loans that have been approved by the provident fund center before are still implemented according to the original policy.
What factors will affect the amount of provident fund loans?
Generally speaking, the loan amount of housing provident fund is not only influenced by subjective factors such as personal credit status and repayment ability, but also restricted by factors such as house prices and the number of houses purchased.
1, credit evaluation.
Although the bank's credit evaluation of borrowers is not as strict as that of commercial loans, if there is a serious bad record and the debts are not repaid, it will also have a certain impact on the provident fund loans.
2. Repayment ability.
On-the-job employees can ask the company to issue and stamp a salary income certificate, while non-on-the-job employees need to provide fixed assets income to prove their repayment ability, and sometimes the borrower is required to have a guarantor and guarantee commitment. Borrowers with stable income can often apply for a higher loan amount than borrowers with unstable income.
The calculation formula of repayment ability is: {(total monthly salary of the borrower, monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan }× loan period (month).
Usage of spouse's quota: {(total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife }× loan period (month). Among them, the repayment ability coefficient is 40%.
Banks often judge borrowers' repayment ability according to this formula. The higher the repayment ability, the larger the loan amount, which is an important factor affecting the loan amount of provident fund.
The introduction of the maximum loan amount of Nanjing Provident Fund and the maximum loan amount of Nanjing Provident Fund has come to an end. I wonder if you found the information you need from it?