Open it directly and enter the relevant data to get the provident fund amount directly. The housing provident fund calculator can calculate your monthly housing provident fund, unit contributions and personal contributions this year based on your average monthly salary in the previous year and the average monthly salary of employees in your city in the previous year and the ratio of unit contributions and personal contributions. live.
According to regulations, before handling individual housing provident fund accounts for employees, units should fill in the "Housing Provident Fund Registration Form" and "Housing Provident Fund Employees' Payment and Deposit List" to truthfully reflect the basic situation of employees who have established housing provident funds. The Housing Provident Fund Management Center and the entrusted bank shall review and manage the housing provident fund paid and deposited by units and individuals in a timely, complete and accurate manner based on the relevant information on the "Housing Provident Fund Registration Form" and "Housing Provident Fund Staff Payment and Deposit List" filled out by the unit. .
1. 1. The last month repayment refers to the final payment amount of the loan. 2. The monthly repayment amount of equal principal and interest is the same. 3. The monthly repayment amount for equal principal amounts is different, and the monthly repayment amount decreases by a certain amount.
2. The latest basic provident fund loan policy 1. Rejection of loan if the house area exceeds 144 square meters 2. Loan is available if the deposit has been made continuously for more than 6 months, optional 3. The maximum loan period is 30 years 4. The first-time interest rate is 3.25 , the second loan is increased by 10% (3.575), the third loan is refused 5. 10 times of the loanable balance (deposit for 1 year, the coefficient is 0.8, within 2 years is 0.9, and for more than 2 years is 1) 6. The maximum for a single employee is 40 RMB 600,000 for double-employed persons (except for special units) 7. 65 years old for men and 60 years old for women 8. Provident fund in other places requires payment certificates and details (stamped) 9. Portfolio loans require a deposit base to cover the monthly payment Reduce debt by twice the amount 10. The credit score has accumulated 3 times in two years 6, and the credit has accumulated 3 times in five years 12 Rejection of loan 11. If the house is less than two years old, you need to put aside the value-added tax Note: For loans, it can only be used by husband and wife, and withdrawals can be made They are direct relatives, but the provident fund is withdrawn according to the share. The provident fund can only be used for two loans. If one set is using the provident fund, the second set cannot use the provident fund.
3. The company's public reserve fund is a fund that the company's net assets exceed the amount of received capital and is accumulated in the company for a specific purpose. The function of the provident fund is to increase the company's capital, consolidate the company's property foundation, and improve the company's credit. The provident fund does not constitute the company's share capital, but its function is similar to that of share capital, so it is called "additional share capital" and together with the share capital, it constitutes the company's own capital. Provident funds can be divided into statutory provident funds and discretionary provident funds based on whether their accumulation is compulsory by law; based on the different sources of accumulation, they can be divided into surplus provident funds and capital provident funds.
IV. Classification criteria
1. Based on whether it is compulsorily withdrawn in accordance with legal provisions, provident funds can be divided into statutory provident funds and discretionary provident funds.
2. Statutory provident fund refers to the provident fund that must be withdrawn compulsorily according to legal provisions. The withdrawal ratio (or amount) and use are directly stipulated by law. Statutory provident fund is also called "mandatory provident fund".
3. Discretionary provident fund refers to the provident fund that the company freely sets up or withdraws from the statutory provident fund in accordance with the company's articles of association or the resolution of the shareholders' meeting. Therefore, whether to set up a discretionary provident fund and how to withdraw and use it is entirely up to the company's discretion, without any interference from the law.
4. Based on the source of the provident fund, the provident fund can be divided into a surplus provident fund and a capital provident fund.
5. Surplus reserve fund refers to the reserve fund withdrawn by the company from its after-tax operating profits. Therefore, its source is only, that is, it can only come from the company's surplus.
6. Capital reserve fund refers to the reserve fund drawn from the income generated from the company's non-operating activities.