Upper limit of provident fund loans in 2023

For many workers, housing provident fund is as important as social security, because it can alleviate the difficulties of many people buying a house. Although it is not much, it is still useful. Do you know the loan amount of Chengdu provident fund? Don't worry, I helped you sort out the relevant contents of the loan amount of Chengdu provident fund. Come and have a look!

The single maximum amount in Chengdu is: 800,000 yuan for the first suite of dual employees, 700,000 yuan for the second suite of dual employees and 400,000 yuan for a single employee.

Determinants of the amount of provident fund loans

The loanable amount of provident fund loans is determined by Chengdu Provident Fund Center according to the maximum amount of provident fund loans, the calculation formula of loan amount, the remaining house price after deducting the down payment, the proportion of repayment income and credit status. , after comprehensive evaluation of the actual situation of the loan applicant, take the lowest value:

Specific as follows

(1) Maximum amount of provident fund loan where the house is purchased.

1. Chengdu: For families with two or more employees who meet the loan conditions, the maximum amount of the first housing provident fund loan is 800,000 yuan, and the maximum amount of the second housing provident fund loan is 700,000 yuan.

The maximum amount of provident fund loans is 400,000 yuan for single-family housing that meets the loan conditions to purchase the first or second home.

2. The same urban area:

Deyang: 600,000 yuan for dual-employee families; Single worker family 400 thousand yuan.

Meishan: 500,000 yuan for dual-employee families; Single worker family 400 thousand yuan.

Ziyang: 600,000 yuan for dual-employee families; Single worker family 400 thousand yuan.

If the maximum amount of provident fund loans at the place where the house is purchased is adjusted, it shall be implemented according to the latest regulations.

(2) Calculation formula of loan amount

1. depositor's loan amount = ∑ (monthly paid provident fund × corresponding storage months × loan-to-deposit ratio coefficient)

2. After adding up the loan quotas of all borrowers who meet the conditions of provident fund loans for each loan, the loan quota of this provident fund loan can be obtained.

3. Please log in to Chengdu Provident Fund APP and Tianfu Citizen Cloud for the trial results of my loan line. , or consult Chengdu Provident Fund Center and loan bank.

You can also click: Chengdu provident fund loan calculator (repayment+loan amount calculation)

Calculation formula of loan amount (note: the maximum amount of the first suite for dual employees in the following example is 800,000)

(1) Loan amount paid to employees = ∑ (monthly paid-in provident fund × corresponding storage months × deposit and loan coefficient) The loan amount of each paid-in employee is calculated in monthly installments, and each paid-in provident fund corresponds to a loan amount.

Calculation of loan amount of Chengdu provident fund

""Chengdu provident fund loan amount calculation method (with formula)

1. How to choose "monthly provident fund deposit":

If the paid employees have not withdrawn the provident fund, the value shall be taken according to the actual amount of the provident fund paid each month. If the paid employees withdraw the provident fund, they will be deducted one by one according to the principle of last in first out from the time of withdrawal, and the value will be taken according to the deduction amount of the current month until the corresponding withdrawal amount is deducted, and the deducted funds will no longer be included in the loan amount calculation.

2. Value method of "corresponding storage month": the storage month corresponding to the last deposit of the depositor is.

1, the natural months from 1 in turn backward, and the corresponding storage months are 2 and 3, src = "/cddbb/live/20219/15/20219/kloc-0. 3. The "deposit and loan coefficient" and the corresponding monthly deposit funds can be enlarged.

Chengdu Provident Fund Center timely adjusted and announced according to liquidity and other factors. The current deposit and loan coefficient is the corresponding monthly deposit magnification of.

4. About the loan amount

The loan amount of the provident fund loan can be obtained after the loan amount of the loan applicant is added up.

Is there an intuitive embodiment of paying more and getting more, saving for a long time and lending more?

We use several sets of "double hook" calculation values for your reference:

Special note: the above loan amount is only the result of formula calculation, and does not represent the actual loan amount. The actual loanable amount should be determined by comprehensively evaluating the maximum amount of provident fund loans in this city (the maximum amount of the first suite of double depositors is 800,000 yuan, and the maximum amount of the single depositor is 400,000 yuan), the remaining house price after deducting the down payment, the repayment income ratio of the depositor, the credit status of the depositor and other factors.

Summary of Chengdu Lantern Festival in 2023

Lantern Festival time: February 5th.

Summary of theme activities

_ Light Show Activities

_ Summary of Lantern Festival

_ Ancient Town Activities

music fountain

_ Free activities

_ Temple Fair Market

Exhibition activities

Scenic activities

_ Solve the riddle on the lantern