It cannot be higher than 10 times the balance of the provident fund account. If it is less than 20,000, every region is different. The maximum loan amount for individuals and married spouses is more than 700,000, and the maximum loan amount for unmarried individuals is about 400,000. Although the interest on provident fund loans is really low, certain conditions need to be met.
Every bank has different policies, so you'd better consult. In short, it is best for qualified partners to choose provident fund loans, which are relatively low in cost. Total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio+individual contribution ratio).
The loan to buy a house is introduced as follows:
Personal housing loan is a loan provided by China Construction Bank to help borrowers buy houses. According to the type of housing, it is divided into first-hand housing loans, second-hand housing loans and commercial housing loans. First-hand housing loans and second-hand housing loans are generally 70% of the total price of purchased houses, and commercial housing loans are generally 50% of the total price of purchased houses.
For personal consumption loans, the maximum loan amount of CCB is generally 2 million yuan, depending on the borrower's income and personal credit information. For car purchase, the loan amount for self-use car is 80% of the total car price, and the loan amount for commercial car is 70% of the total car price;
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.
20 1 1 The Ministry of Housing and Urban-Rural Development, together with other departments, is studying the revision of the provident fund regulations and liberalizing the provision that individuals withdraw the provident fund to pay housing rent. 20 13 some cities have introduced measures to allow employees suffering from major diseases or their immediate family members to withdraw provident fund for emergency. 20 14 Three departments issued a document to cancel the housing accumulation fund, individual housing loan insurance, notarization, new house evaluation and compulsory agency guarantee, so as to reduce the burden on loan workers. The Regulation on the Management of Housing Provident Fund in 20 15 stipulates that the contribution ratio of housing provident fund for employees and units shall not be lower than 5% and not higher than 12%. From February 2, 2006 to February 0, 2006, the deposit interest rate of employee housing provident fund account was adjusted to be based on the one-year fixed deposit benchmark interest rate, and the increased interest rate was 1.50%.
On September 7th, 20 18, Beijing adjusted the housing provident fund personal housing loan policy, with an annual loan of 654.38+million yuan, with a maximum loan of 12 million yuan. 20 19123 October 19 housing provident fund withdrawal business did not submit a paper withdrawal application.
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) Housing accumulation fund is a personal housing savings fund specially used by employees for housing consumption expenditure, which has two characteristics of accumulation and specificity.