With the rapid development of Internet, information dissemination has become more and more extensive. When people encounter problems they don't understand in life and work, they just need to know them online. Today, Bian Xiao will explain to you how many aspects of Chengdu's housing provident fund can be loaned, hoping to give you a clear understanding of this. Let's take a look together. 1. How much can Chengdu housing provident fund lend to families of two or more employees who meet the housing provident fund loan conditions? Loan amount = (borrower's provident fund deposit balance+* * with the borrower's provident fund deposit balance) × 20 times× deposit time coefficient (upper limit of 700,000 yuan) Single employee family loan amount = borrower's provident fund deposit balance× 20 times× deposit time coefficient (upper limit of 400,000 yuan), and the continuous normal deposit time is less than 65,438. If the continuous normal deposit time is 12 months to 24, The time coefficient of continuous normal deposit for more than 24 months is 1. Two or more employee families who meet the housing provident fund loan conditions can determine the time coefficient according to the party with long payment time. 2. The upper limit of individual payment of Chengdu housing provident fund is 2580 yuan/month, which is 2 1498 yuan 12% of the upper limit of the deposit base. The specific provisions are as follows: 20 19 The lower limit of the deposit base of Chengdu housing provident fund shall be implemented in accordance with the relevant provisions of the minimum wage standard in Chengdu last year. The following standards shall be implemented: the minimum deposit base of housing provident fund in Chengdu Tianfu New District, Chengdu High-tech Zone, Jinjiang District, Qingyang District, jinniu district, Wuhou District, chenghua district, Longquanyi District, qingbaijiang district, Xindu District, Wenjiang District, Shuangliu District, Pidu District and Xinjin County is 1780 yuan; The minimum deposit base for jianyang city, Dujiangyan, Pengzhou, Qionglai, chongzhou city, Jintang, Dayi and Pujiang counties is 1.650 yuan. 20 19 the upper limit of the deposit base of housing provident fund is 2 1498 yuan. 1 October 20 19 1 will implement the minimum deposit base standard, and the maximum deposit base standard will be implemented on May 201. 3. What are the benefits of paying the housing provident fund? The benefits of paying housing provident fund mainly include the following points: 1. After the individual pays the fee, the funds will double. Individuals pay 5%- 12%, and the unit subsidizes in the same proportion. Therefore, after individual employees pay the housing provident fund according to regulations, the funds will double. 2. Calculate and pay interest. The housing provident fund paid in the current year shall be paid at the current interest rate, and if it is carried forward from the previous year, it shall be paid at the three-month lump-sum interest rate. 3. tax exemption. According to the relevant provisions of the state, the housing provident fund is exempt from personal income tax; Housing provident fund paid by enterprises for employees can be deducted before tax. 4, owned by the individual workers. Housing accumulation fund is a policy fund paid by the unit and its employees according to law, which belongs to the individual employees and is stored in the special account of the center for unified management and operation. 5. It can be used to buy and build self-occupied houses. Workers who have paid housing provident fund can withdraw housing provident fund with relevant legal and valid documents when purchasing or building self-occupied housing. 6. You can be a pension. After retirement, employees can withdraw all the principal and interest balance of housing provident fund at one time with retirement certificates, ID cards and other documents. 7. You can apply for a loan. Cadres and workers who have paid the housing provident fund 1 year or more can apply for personal housing provident fund loans when buying or building self-occupied housing. To sum up, it is the answer to how much the Chengdu housing provident fund compiled by Bian Xiao can borrow. Generally speaking, the loan amount of Chengdu housing provident fund is like this in our existing policies and regulations. If you still have questions, you can consult the relevant websites or departments. I hope my answer is helpful to you! In case of doubt, legal advice is welcome. Wish you a happy life!
Legal objectivity:
"Regulations" of housing provident fund management sixteenth
The monthly deposit amount of employee housing provident fund is the average monthly salary of employees in the previous year multiplied by the deposit ratio of employee housing provident fund.
The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.