The storage balance of housing provident fund refers to the actual principal and interest amount in the employee housing provident fund account. Because employees can deposit and withdraw the storage balance in their housing provident fund accounts according to regulations, the actual amount in their housing provident fund accounts has changed. The balance of the housing provident fund of the loan applicant or the co-loan applicant shall be based on the actual amount in their respective housing provident fund accounts one month before the loan acceptance institution accepts the loan application. The Deposit Registration Form is the basis for the unit to open a housing provident fund account in the bank, and the Inventory is a detailed reflection of the Deposit Registration Form and the basis for setting up a personal housing provident fund account for the employees of this unit. When the unit fills in the deposit registration form and inventory, it shall handle it according to the following requirements: (1) Determine the number of employees who pay the housing provident fund and the list of employees who pay the housing provident fund (employees include employees who have formed labor relations with the unit and received labor remuneration, and the construction period exceeds 1 year). (two) to determine the wage base, and according to the proportion of housing provident fund deposit, respectively, to calculate the amount paid by individual workers and units. Salary base of employees: the salary base of employees in administrative institutions is the sum of basic salary, post salary, grade salary, seniority salary, bonus, allowance (excluding housing subsidy) and welfare expenses; The salary base of enterprise employees is the sum of hourly wages (piece-rate wages), performance wages, bonuses, allowances and subsidies (excluding housing subsidies), overtime wages and wages paid under special circumstances. Units with relatively stable monthly wage income of employees shall take the salary base of employees in the previous year of 65438+February as the deposit base of housing provident fund; Units with large fluctuations in the monthly wage income of employees shall use the average monthly wage base of employees in the previous year as the deposit base of housing provident fund. Once the deposit base of housing provident fund is determined, it will remain unchanged at 1 year. Employees who receive basic living expenses can calculate the deposit base of housing provident fund according to the basic living expenses after discussion and approval by the employee congress of the unit or the employee congress. Units in accordance with the provisions of the deposit registration form and inventory, and stamped with the official seal, together with the completed account opening seal card, account opening approval within the specified time to the entrusted bank. After receiving the deposit registration form, inventory and seal card submitted by the unit, the bank will establish the unit housing provident fund account and employee personal ledger, stamp the deposit registration form and return one copy to the unit, and deliver one copy to the management center.

Legal objectivity:

In view of the question raised by some buyers that "whether the balance of the provident fund in the provident fund account is zero, then the amount of the provident fund loan is zero", the amount of the Beijing housing provident fund loan is not calculated according to the balance in the lender's provident fund account. At present, the maximum amount of a single housing provident fund loan is 400,000 yuan; The loan amount of a loan applicant whose credit rating is AAA assessed in the personal credit assessment report can be increased by 30% to 520,000 yuan; Class AA can go up 15%, which can reach 460,000 yuan. The calculation formula of the maximum loanable amount of the housing accumulation fund of this city is: the monthly income of the borrower's family (monthly income = the monthly contribution of the employee's individual housing accumulation fund ÷ the contribution ratio of the employee's housing accumulation fund), the balance after deducting the monthly living expenses of at least 400 yuan, and then dividing it by the monthly repayment amount of every 10,000 yuan loan during the loan application period, which is the maximum loanable amount. At the same time, the specific loan amount and term must meet the requirements of single maximum loan amount, maximum loanable amount and minimum down payment. For example, if you apply for a housing provident fund loan, and the individual pays the housing provident fund 200 yuan every month, the deposit ratio is 8%, and the spouse pays the housing provident fund every month, and the loan application period is 65,438+00 years. The purchased house is affordable and the total house price is 400,000 yuan, so you can borrow 330,000 yuan at most. In addition, in the current provident fund loan contract, it is actually a unilateral breach of contract to stipulate early repayment, so the defaulting party should bear the liability for breach of contract according to the contract, such as paying liquidated damages. However, at present, there is no such provision in the provident fund loan contract, only an early repayment is agreed. The specific provision is that after you pay off the principal and interest of the current month, you can repay part or all of the loan in advance. Interest will not be charged on part or all of the loan principal repaid in advance after repayment. If you don't pay off the loan in full in advance, the amount of part of the loan repaid in advance must be an integer multiple of10,000 yuan, at least10,000 yuan. For the remaining loan amount, you can choose to recalculate the monthly repayment amount without changing the loan term, or shorten the loan term appropriately without changing the monthly repayment amount. It is understood that the purchase of owner-occupied housing, you can withdraw the provident fund, but the cumulative withdrawal amount can not be greater than the total purchase price. If you buy a house with a loan, you can also withdraw the provident fund quarterly or annually after buying a house. But one thing to remind you is that when you withdraw the provident fund, you must keep at least one month's deposit in your provident fund account.