I have paid provident fund for one year, 600 per month, how much can I borrow?

According to your monthly payment of 600 yuan, a single person can get a loan of 610,000 yuan in 30 years and 480,000 yuan in 20 years. If you are married, you can get a loan of 440,000 yuan in 30 years, and you can get a loan of 350,000 yuan in 20 years.

Provident fund: usually refers to housing provident fund, sometimes also refers to company provident fund. The housing provident fund refers to the long-term housing savings deposited by state agencies, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social groups and their employees.

The housing provident fund system is actually a housing security system and a form of monetization of housing distribution. The housing provident fund system is an important housing social security system stipulated by national law and is mandatory, mutually supportive, and protective. Units and individual employees must fulfill their obligations to pay housing provident funds in accordance with the law. The housing provident fund paid by individual employees and the housing provident fund paid by the unit for them are stored in special accounts and belong to the individual employees.

The company's capital reserve fund comes from the following sources:

(1) When shares are issued at a premium, the premium exceeding the face value of the stock is included in the company's capital reserve fund.

(2) According to the provisions of my country's "Company Law", a proportion of the statutory provident fund is deposited from the after-tax profits every year.

(3) It is the discretionary provident fund withdrawn after the resolution of the shareholders’ meeting.

(4) It is the revaluation and appreciation of the company’s assets after several years of operation.

(5) These are donated assets obtained by the company from outside, such as from government departments, foreign departments and other companies.

How much can you borrow if you pay 600 yuan in housing provident fund per month?

According to your monthly payment of 600 yuan, a single person can get a loan of 610,000 yuan in 30 years and 480,000 yuan in 20 years.

Married people can get a loan of 440,000 yuan in 30 years and 350,000 yuan in 20 years.

This is the loan amount calculated based on your provident fund payment form. At the same time, provident fund loans also have corresponding regulations.

From November 29, 2010 (inclusive), house-type construction If the area is less than 90 square meters (inclusive), the down payment ratio shall not be less than 20%, that is, the personal loan amount shall not exceed 80% of the appraised value of the house or the actual purchase price (whichever is lower).

Users who pay provident funds use provident funds to apply for housing provident fund loans, which are provident fund loans. Any employee who pays housing provident fund can apply for a personal housing provident fund loan.

Provident fund loans are only based on your salary and personal credit problems. The balance in the provident fund is closely related to the loan amount. The provident fund center needs to see whether you have the ability to repay the loan. There must be interest on the loan. Yes, provident fund loans are already much cheaper than commercial loans.

Provident fund consumer loans have the lowest interest rates among credit loans. If there are no problems in other aspects, the annual interest rate is generally around 5%, and you can pay interest first and then principal. First of all

Look at how long you have paid your provident fund (whether you have stopped paying, whether you have changed your employer). Generally speaking, you can apply for provident fund for more than 6 consecutive months. Try the local policy. I used to work in finance in Beijing and then in Guangzhou. For example, some banks may accept provident fund contributions that have been deposited for only 3 months. It would be better if the duration is more than 1-2 years. Products with interest first and then principal, as well as the amount and interest, are better than those with a shorter deposit time.

Look at the deposit base: some banks accept a minimum base, and some require individual payment bases of more than 500, more than 1,000, and more than 1,200. The higher the base, the higher the salary, and the product choices you can make. The scope is large. The general product limit is about 20 times the provident fund individual payment base

In some cities, it is determined based on the housing price and down payment ratio:

The provident fund loan limit ≤ house appraisal price - down payment

For example: Liu Xiaobai buys a house of 1 million (assessed price) in XX, a third-tier city, with a down payment of 30%, which is 300,000;

Then the provident fund loan amount Liu Xiaobai can get = 1 million -300,000 = 700,000; all of Liu Xiaobai’s housing loans can be financed with provident fund loans.

Some cities determine it based on personal income level and monthly deposit amount (such as Beijing):

Provident fund loan amount = (family monthly income - basic living expenses standard) / application for loan Average monthly loan repayment amount per 10,000 yuan per year;

Monthly income = individual monthly housing provident fund payment ÷ housing provident fund payment ratio;

Basic living expenses standard is currently 1,323 per month Yuan example: Zhang Xiaobai, who works in Beijing, has a monthly family income of 20,000 yuan, and the average monthly loan repayment amount per 10,000 yuan for the loan application period is 56.72, or 0.005672.

How much can you borrow with provident fund of 600 per month?

Depending on local conditions

Of course, you can’t borrow as much as you want from provident fund, personal and family loans The amounts are also different. The maximum loan available in Beijing is RMB 1.2 million; in Shanghai: RMB 500,000 for individuals and RMB 1 million for families; in Guangzhou: RMB 600,000 for individuals and RMB 1 million for families; in Shenzhen: RMB 500,000 for individuals and RMB 900,000 for families.

But the exact amount of money that can be borrowed has to be calculated separately. Assume that 30-year-old Xiao Li works in Guangzhou, pays provident fund 600 yuan every month, and has an account balance of 60,000 yuan;

According to the calculation formula in Guangzhou:

Loan amount = provident fund account Balance × 8 monthly payments × number of months remaining before retirement:

60,000 × 8,600 × 360 = 696,000. But the maximum personal limit in Guangzhou is 600,000, so Xiao Li can only borrow 600,000.

Therefore, policies vary from place to place. It is recommended to call the local provident fund center hotline 12329 for detailed consultation before taking a loan.

There are a thousand Hamlet among a thousand people. No two identical leaves can be found in the world. Everyone has different opinions and views. For the same thing, everyone can There will also be different judging criteria. My answer may not be the most standard or correct, but I hope it can be of some help to you and get your approval. Thank you!

My provident fund payment is over 600 yuan, how much can I borrow

My provident fund payment is over 600 yuan, how much can I borrow

According to your monthly payment of 600 yuan, a single loan of 30 yuan The annual loan is 610,000, and the loan is 480,000 for 20 years.

A married person can get a loan of RMB 440,000 in 30 years and a loan of RMB 350,000 in 20 years.

This is the loan amount calculated based on your provident fund payment form. At the same time, provident fund loans also have corresponding regulations.

Starting from November 29, 2010 (inclusive), newly accepted individuals Applicants for loan business who are purchasing their first home for self-occupation should comply with the following requirements:

(1) If the building area of ??the house is less than 90 square meters (inclusive), the down payment ratio shall not be Less than 20%, that is, the personal loan amount shall not exceed 80% of the appraised value of the house or the actual purchase price (whichever is lower).

(2) For houses with a floor area of ??more than 90 square meters, the down payment ratio shall not be less than 30%, that is, the personal loan amount shall not exceed the appraised value of the house or the actual purchase price (whichever is greater) (whichever is the lower amount) 70%.

Starting from June 1, 2015 (inclusive), newly accepted personal loan applicants who are purchasing their first self-occupied house must have a down payment ratio of not less than 20%, that is, personal loans The amount shall not exceed 80% of the appraised value of the house or the actual purchase price (whichever is lower); for the purchase of a second ordinary self-occupied house, the down payment proportion shall not be less than 30%, that is, the personal loan amount shall not be Exceeds 70% of the appraised value of the house or the actual purchase price (whichever is lower)

How much can be borrowed with provident fund payment 727

Provident fund policies vary from place to place. It is recommended that Check the official website or consult the local provident fund management center. The official telephone number is 12329.

How long does it take to get a loan after the provident fund is paid, and how long does it take to get a loan after the provident fund is paid?

You should have the following when applying for a provident fund loan Basic conditions:

1. Have full capacity for civil conduct;

2. Provident fund payment certificate (or housing provident fund card);

3. The applicant and Spouse's ID card, household registration book and marriage status certificate;

4. Employees who have paid and deposited the housing provident fund normally for more than one year (inclusive) in their unit must pay and deposit normally for more than six months (inclusive) , and the monthly payment amount of the housing provident fund reaches the minimum monthly payment amount announced by the management committee;

5. Five years (inclusive) from the date when the employee purchases, constructs, renovates, or overhauls the self-occupied housing. ), you can apply for a house purchase loan;

6. Employees who apply for a loan for the first and second time must pay a down payment of more than 20% (inclusive) of the house purchase price;

7. Have Stable economic income, good personal credit, and the ability to repay the principal and interest of the loan.

How much can I borrow if I pay 98 yuan in provident fund per month?

The housing provident fund policies in various places vary greatly, and the regulations on the provident fund loan limit are also different. No one can give you an accurate figure. For specific details, you should consult the local housing provident fund management center, or go to the official website of the local housing provident fund management center. Generally, there will be an introduction.

The amount of a provident fund loan is usually related to your monthly payment base, provident fund account balance, continuous payment time, personal income, age, down payment for home purchase, total house price and other factors, and there is an upper limit.

The specific loan amount shall be based on the amount given by the local housing provident fund management center after evaluating the applicant's personal information.

How much can be borrowed if the provident fund has 8,000?

The housing provident fund loan limit can only be determined by comprehensive calculation.

The calculation of provident fund loan amount is determined based on four conditions: loan repayment ability, house price ratio, housing provident fund account balance and maximum loan limit. The minimum value calculated from the four conditions is the maximum loan amount that the borrower can amount.

The calculation method is as follows:

According to the calculation formula of loan repayment ability, {(the total monthly salary of the borrower, the monthly deposit amount of the housing provident fund of the borrower's unit) × the loan repayment ability coefficient - borrowing The total monthly repayment amount of the person’s existing loan}×the loan period (months), and the spouse’s quota is used{(the total monthly salary of both spouses and the monthly housing provident fund deposit amount of the unit where both spouses work)×the loan repayment ability coefficient-the existing loans of both spouses Total monthly repayment} × loan term (months).

Among them, the loan repayment ability coefficient is 40%. Total monthly salary = monthly provident fund payment ÷ (unit payment ratio and individual payment ratio);

According to the house price calculation formula, loan amount = house price × loan cost The loan percentage is determined based on the different types of houses purchased, constructed and repaired and the number of housing loans;

According to the account balance, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than the housing provident fund when the employee applies for the loan. 10 times the account balance (using the spouse’s housing provident fund to apply for a provident fund loan at the same time, which is the sum of the employee’s and spouse’s housing provident fund account balances). If the housing provident fund account balance is less than 20,000, it will be calculated as 20,000;

According to the maximum limit If you use your own housing provident fund to apply for a housing provident fund loan, the maximum loan limit is 400,000 yuan. If you use your spouse's housing provident fund to apply for a housing provident fund loan, the maximum loan limit is 600,000 yuan. If you use your own housing provident fund to apply for a housing provident fund loan, and you apply for the loan in person, If you make a normal payment and deposit into the housing provident fund, the maximum loan limit is 500,000 yuan. If you use your spouse's housing provident fund to apply for a housing provident fund loan, and you or your spouse make a normal payment and deposit into the housing provident fund when applying for a loan, the maximum loan limit is 700,000 yuan.

龙_How much can you borrow if you pay Provident Fund 102

The housing provident fund policies in various places vary greatly, and the regulations on loan limits are also different. No one can give you an accurate figure. For specific details, you should consult the local housing provident fund management center, or go to the official website of the local housing provident fund management center. Generally, there will be an introduction.

The amount of a provident fund loan is usually related to your monthly payment base, provident fund account balance, continuous payment time, personal income, age, down payment for home purchase, total house price and other factors, and there is an upper limit.

The specific loan amount shall be based on the amount given by the local housing provident fund management center after evaluating the applicant's personal information.

How much can you borrow with a provident fund of 14,785 yuan

The loan limit calculated based on the housing provident fund account balance

1. The loan limit for purchasing limited-price commercial housing or affordable housing It shall not be higher than 20 times the balance of the housing provident fund account when the employee applies for a provident fund loan (the housing provident fund of the spouse is also used to apply for a provident fund loan, which is the sum of the housing provident fund account balances of the employee and the spouse, the same below). If the housing provident fund account balance is less than 20,000 yuan, Calculated at 20,000 yuan.

2. For a loan to purchase the first self-owned house, the loan amount shall not be higher than 20 times the balance of the housing provident fund account when the employee applies for a provident fund loan. If the balance of the housing provident fund account is less than 20,000 yuan, it will be calculated as 20,000 yuan. .

The loan limit of the provident fund loan is 12 times the balance of the housing provident fund account of the applicant and the same applicant, and must meet the following requirements at the same time:

1. The monthly loan repayment amount (principal and interest calculated according to the equal principal and interest repayment method) shall not exceed 50% of the applicant's housing provident fund payment base. If there is an applicant like *** and the same applicant *** pays the housing provident fund in this city, the housing provident fund payment base is the sum of the payment bases of the applicant and the same applicant *** (parents can be *** same applicant).

2. No more than the difference between the total purchase price and the down payment. If the house purchased is an existing commercial house (second-hand house), the applicant should entrust a real estate appraisal agency recognized by the Provident Fund Center to conduct a value evaluation, and the lower of the contract price and the appraised price shall be taken as the total purchase price. The cost of the assessment is borne by the applicant.

When employees purchase a first house with an area of ??less than 90 square meters (including 90 square meters), the down payment ratio shall not be less than 20% of the total purchase price; if the first house area is more than 90 square meters, the down payment shall be The down payment ratio for the purchase of a second home shall not be less than 30% of the total purchase price, and the down payment ratio for the purchase of a second home shall not be less than 60% of the total purchase price. Provident fund loans cannot be applied for purchasing a third home. (Combined loans and commercial loans are handled according to commercial bank policies)

3. No more than the maximum provident fund loan amount for a single housing unit. If an employee applies as an individual, the maximum amount of provident fund loan for a single house is 500,000 yuan. If the applicant and *** apply together, and *** and applicant *** participate in the calculation of the amount, the provident fund loan for a single house will be The maximum loan amount is 900,000 yuan (if the applicant’s spouse has not paid provident fund or has paid provident fund continuously for less than six months and can only be a co-applicant, the maximum loan amount is 500,000 yuan).

4. If the applicant has not withdrawn the housing provident fund for more than three consecutive years before applying for a provident fund loan, the loan limit of the provident fund loan calculated based on the multiple of the housing provident fund account balance can be increased by 10%, but it should meet other requirements stipulated in the preceding paragraph (subject to the approval of the center) ).

How much can you borrow with a provident fund of RMB 20,000?

The amount of a provident fund loan needs to be determined based on a number of conditions, including the ability to repay the loan, the housing price ratio, the housing provident fund account balance and the maximum loan limit. Four conditions, the minimum value calculated from the four conditions is the maximum loan amount that the borrower can borrow. The calculation method is as follows: Calculated based on house price: loan amount = house price And if the building area of ??the purchased house is less than 90 square meters (including 90 square meters), a down payment of no less than 20% of the house price should be paid, that is, the loan amount cannot be higher than 80% of the house price. If the building area of ??the purchased house is more than 90 square meters, a down payment of no less than 30% of the house price must be paid, and the loan limit shall not be higher than 70% of the house price. Secondly, if an employee family purchases a second home through a provident fund loan, it should pay a down payment of no less than 50% of the purchase price of the home, and the loan amount shall not exceed 50% of the purchase price of the home. Those who purchase a third or higher house can no longer purchase a house through a provident fund loan. Calculated based on loan repayment ability: The calculation formula is, {(the total monthly salary of the borrower, the monthly housing provident fund deposit amount of the borrower’s unit) × the loan repayment ability coefficient - the total monthly repayment of the borrower’s existing loan} × loan term (months ). In addition, if the borrower is married, the spouse's quota can be used. The calculation formula is: {(the total monthly salary of both spouses, the monthly housing provident fund deposit amount of the employer where both spouses work) × the loan repayment ability coefficient - the monthly repayment of the existing loan of both spouses Total amount} × loan term (months). Calculated based on account balance: When an employee applies for a housing provident fund loan, the loan amount shall not be higher than 10 times the balance of the housing provident fund account when applying for the loan (if the spouse’s housing provident fund is used to apply for a provident fund loan at the same time, it is the sum of the employee’s and spouse’s housing provident fund account balances). If the balance of the housing provident fund account is less than 20,000, it will be calculated as 20,000. Some cities stipulate different multiples of the balance, so the amount that can be applied for will also be different. Calculated based on the maximum limit: If you use your own housing provident fund to apply for a housing provident fund loan, the maximum loan limit is 400,000 yuan; if you use your spouse’s housing provident fund to apply for a housing provident fund loan, the maximum loan limit is 600,000 yuan. If the borrower pays the supplementary housing provident fund normally, the maximum limit for applying for a housing provident fund loan using his or her own housing provident fund is 500,000 yuan, and the maximum limit for applying for a housing provident fund loan using the spouse's housing provident fund is 700,000 yuan

100,000 provident fund How much can be borrowed

The calculation of the provident fund loan limit is determined based on four conditions: loan repayment ability, provident fund loan housing price ratio, housing provident fund account balance and loan maximum limit. The minimum value calculated from the four conditions is The maximum loan amount a borrower can lend. The calculation method is as follows:

The loan amount calculated according to the loan repayment ability: (the total monthly salary of the borrower, the monthly housing provident fund payment amount of the borrower’s unit) × the loan repayment ability coefficient - the borrower’s existing monthly loan payment Total repayment × loan term (months). If the spouse's quota is used, (the total monthly salary of the spouses and the monthly housing provident fund deposit amount of the employer where the spouses work) × the loan repayment ability coefficient - the total monthly repayment of the existing loans of the spouses × the loan period (months). Among them, the loan repayment ability coefficient is 40%. Total monthly salary = monthly provident fund payment ÷ (unit payment ratio and individual payment ratio);

Loan amount calculated based on house price: Loan amount = house price × Loan percentage. The loan percentage is determined based on the different types of housing purchased, constructed and repaired and the number of housing loans;

The loan amount calculated based on the balance of the housing provident fund account. If an employee applies for a housing provident fund loan, the loan amount shall not be higher than the amount applied by the employee. The housing provident fund account balance at the time of the loan (when applying for a provident fund loan using the spouse's housing provident fund at the same time, is the sum of the employee and spouse's housing provident fund account balance), if the housing provident fund account balance is less than 20,000, it will be calculated as 20,000;

Based on the loan amount calculated based on the maximum loan limit, if you use your own housing provident fund to apply for a housing provident fund loan, the maximum loan limit is 400,000 yuan; if you use your spouse's housing provident fund to apply for a housing provident fund loan, the maximum loan limit is 600,000 yuan.

If you use your own housing provident fund to apply for a housing provident fund loan, and you make normal deposits to supplement the housing provident fund when applying for a loan, the maximum loan limit is 500,000 yuan; if you use your spouse's housing provident fund to apply for a housing provident fund loan, and you or your spouse make normal deposits when applying for a loan To supplement the housing provident fund, the maximum loan limit is 700,000 yuan.

The provident fund is 4,600 yuan, how much can be borrowed?

How is it possible to pay 4,600 to the provident fund every month? The guy upstairs is quite interesting. If the provident fund account number is 4,600, you can borrow 184,000. This is calculated based on 40 times the amount in the account

This is the end of the introduction about the loan limit of 600 provident fund and how much loan can be obtained with 600 provident fund. I wonder if you found the information you need?