1 ten thousand yuan.
202 1 loan amount of Ningbo housing provident fund The maximum loan amount of Ningbo housing provident fund is 1 10,000 yuan. The formula for calculating the loan amount is: the sum of the deposit bases of the borrower and the personnel involved in calculating the loan amount × loan coefficient × 12 months× loan (calculation) period.
1. Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.
2.2065438+Starting from July 1 2007, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform according to the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development.
3.20 1 1 year, the Ministry of Housing and Urban-Rural Development, together with other departments, is studying and amending the Regulations on the Management of Housing Provident Fund, so as to liberalize the provision that individuals withdraw 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.
4. 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.
5. The housing accumulation fund paid by enterprises and institutions does not belong to the nature of total wages, but belongs to the cost of enterprises. According to the Notice of State Taxation Administration of The People's Republic of China on Deduction of Enterprise Wages and Salaries and Employee Welfare Expenses (Guoshuihan No.2003), the "total wages and salaries" mentioned in Articles 40, 41 and 42 of the Regulations for the Implementation of People's Republic of China (PRC) Enterprise Income Tax Law refers to the total wages and salaries actually paid by enterprises according to Article 1 of Document No.3 of Guoshuihan [2009], excluding enterprises.
2. What is the maximum amount of Ningbo provident fund loan?
Provident fund policies vary from place to place. It is suggested to inquire or consult the local provident fund management center through official website. The official telephone number is 12329.
3. What is the loan amount of Ningbo Provident Fund?
The amount of provident fund loan should be determined according to the balance of your provident fund account. You can go to the city provident fund center for details.
Provident fund loan amount.
How to calculate the amount of provident fund loans? What is the maximum amount of provident fund loans?
Provident fund loan amount refers to the maximum loan amount that a borrower can apply for when applying for provident fund loans. The loan amount is comprehensively evaluated according to the provident fund account, the borrower's credit status, income level and repayment ability. Moreover, the amounts under different evaluation methods are also inconsistent:
1. Calculated by house price: loan amount = house price loan ratio.
2. According to the income level:
[(the total monthly salary of the borrower and the monthly contribution of the housing provident fund of the borrower) × repayment ability coefficient-the total monthly repayment amount of the borrower's existing loan ]× loan term (month);
3. Calculated according to the maximum loan amount.
Basically, the maximum loan amount does not exceed 80% of the total housing price;
4. Calculated according to the deposit period of the provident fund.
If the deposit period of the provident fund is long enough, the larger the amount accumulated each year, the higher the loan amount, and the loan amount of the provident fund is also related to the remaining working years before retirement.
I. If the borrower continuously pays the housing provident fund in full, the maximum loan amount shall not exceed 500,000 yuan; If the borrower and spouse pay the housing provident fund in full and continuously at the same time, the maximum loan amount shall not exceed 700,000 yuan.
2. The amount of the first home loan shall not exceed 70% of the total price of the purchased house, the amount of the second home loan shall not exceed 50% of the total price of the purchased house, and the amount of the finely decorated house loan shall not exceed 60% of the total price of the purchased house.
Three, the loan amount is not higher than the amount determined according to the deposit time of the provident fund and the balance of the deposit account. If the spouse's provident fund deposit is abnormal, it will not be included in the spouse's provident fund.
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Special attention: withdraw cash in full as soon as possible after the quota is issued, because risk control is dynamic.
It's best to put forward all the suggestions on demand. The risk control system will mistakenly think that you don't need this fund, which will lead to the failure of withdrawal. At least 60% is safe. Support early settlement of repayment after the first installment.
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Four. Ningbo provident fund loan amount is 202 1?
The loan amount of Ningbo housing provident fund is as follows:
1. If an employee has continuously paid the housing provident fund for 2 years according to the regulations, and applies for the housing provident fund loan for the first time to purchase the first family-occupied housing, the maximum loan amount of the housing provident fund is 600,000 yuan/household;
2. Employees who have continuously paid the housing provident fund for 6 months according to regulations and apply for housing provident fund loans for the first time or the second time to purchase the first set of self-occupied housing or the second set (including the improved second set) of self-occupied housing, the maximum loan amount is 400,000 yuan/household.