If the applicant applies for provident fund loans for the first time or the second time and purchases the first set (self-occupation) or the second set of housing (improved self-occupation), the Ningbo Provident Fund Loan Center can borrow up to 400,000 yuan, provided that the applicant has contacted and turned over the Ningbo Housing Provident Fund for half a year.
Ningbo provident fund loan amount = the balance of the account deposited by the borrower and its * * * co-borrower on the loan application date (the balance of the employee's individual housing provident fund deposit account does not include other funds managed by the housing provident fund and the one-time repayment amount of the housing provident fund in the latest year) × multiple (currently determined by 12 times, and the loan amount is less than150,000 yuan, the secured loan amount is150,000 yuan.
It should be noted that the level of provident fund loan amount is mainly affected by many factors such as the balance of provident fund, the deposit period of provident fund, the applicant's credit status, the applicant's repayment ability and so on.
Regulations on the administration of housing provident fund
Fifteenth units to hire employees, should be within 30 days from the date of employment to the housing provident fund management center for deposit registration, and for the establishment or transfer of employee housing provident fund accounts.
Where a unit terminates the labor relationship with its employees, it shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center for change registration, and go through the formalities of transferring or sealing the employee housing provident fund account.
Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee 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.
Article 19 The housing accumulation fund paid by individual employees shall be withheld and remitted from their wages by their units.
The unit shall remit the housing provident fund paid by the unit and remitted for the employees to the housing provident fund account within 5 days from the date of monthly payment of employees' wages, and the entrusted bank shall include it in the employee housing provident fund account.
Twentieth units shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid.
Units with real difficulties in depositing housing provident fund can reduce the proportion of deposit or defer payment after discussion and adoption by the workers' congress or trade union of the unit, and after examination by the housing provident fund management center and approval by the housing provident fund management committee; After the economic benefits of the unit improve, the deposit ratio will be increased or the overdue payment will be postponed.