The maximum amount of provident fund loans in Nanjing is 6,543,800 yuan. It is understood that Nanjing has increased the amount of provident fund loans. Since May 20, 2022, the first housing provident fund loan amount has been adjusted from 300,000 yuan/person to 500,000 yuan/person. The maximum loanable amount for purchasing the second housing provident fund is adjusted from 600,000 yuan per household of husband and wife to 6,543,800 yuan per household of husband and wife.
Since May 20, 2022, the Provident Fund Center has accepted applications for provident fund loans in accordance with the adjusted loan policy. Loans that have been approved by the provident fund center before are still implemented according to the original policy.
What factors will affect the amount of provident fund loans?
Generally speaking, the loan amount of housing provident fund is not only influenced by subjective factors such as personal credit status and repayment ability, but also restricted by factors such as house prices and the number of houses purchased.
1, credit evaluation.
Although the bank's credit evaluation of borrowers is not as strict as that of commercial loans, if there is a serious bad record and the debts are not repaid, it will also have a certain impact on the provident fund loans.
2. Repayment ability.
On-the-job employees can ask the company to issue and stamp a salary income certificate, while non-on-the-job employees need to provide fixed assets income to prove their repayment ability, and sometimes the borrower is required to have a guarantor and guarantee commitment. Borrowers with stable income can often apply for a higher loan amount than borrowers with unstable income.
The calculation formula of repayment ability is: {(total monthly salary of the borrower, monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan }× loan period (month).
Usage of spouse's quota: {(total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife }× loan period (month). Among them, the repayment ability coefficient is 40%.
Banks often judge borrowers' repayment ability according to this formula. The higher the repayment ability, the larger the loan amount, which is an important factor affecting the loan amount of provident fund.
Nanjing provident fund loan conditions
1 Require the applicant to have a good personal credit status, no bad credit record and the ability to repay the loan principal and interest on time;
2. The applicant and the employer have continuously paid the housing provident fund in full for more than 6 months according to the regulations;
Require the applicant to make a down payment of not less than 20% of the total price of the house purchased;
4 when applying for provident fund loans, you must provide a valid house sales contract;
The house purchased must be located in the administrative area of Nanjing.
Loan interest calculation
(1) The interest rate conversion formula for RMB business is (note: common for deposits and loans):
1. daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷30.
2. Monthly interest rate (‰) = annual interest rate (%)÷ 12
(two) banks can use the product interest method and the transaction interest method to calculate interest.
1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is:
Interest = cumulative interest-bearing product × daily interest rate, where cumulative interest-bearing product = total daily balance.
2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:
If the interest-bearing period is a whole year (month), the interest-bearing formula is:
① Interest = principal × year (month )× year (month) interest rate
If the interest-bearing period is a whole year (month) and days, the interest-bearing formula is:
② Interest = principal × year (month) × year (month) interest rate principal × odd days × daily interest rate.
At the same time, banks can choose to convert all interest-bearing periods into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is as follows:
③ Interest = principal × actual days × daily interest rate
These three formulas are essentially the same, but because the interest rate conversion is only 360 days a year, when calculating the actual daily interest rate, it will be calculated as 365 days a year, and the result will be slightly biased. Which formula is used specifically, the central bank gives financial institutions the right to choose independently. Therefore, the parties and financial institutions can agree on this in the contract.
(3) Compound interest: Compound interest means adding interest at a certain interest rate. According to the regulations of the central bank, if the borrower fails to repay the interest at the time agreed in the contract, it will be charged with compound interest.
(4) Penalty interest: If the lender fails to repay the bank loan within the prescribed time limit, the penalty interest paid by the bank to the defaulter according to the contract signed with the parties is called bank penalty interest.
(V) loans overdue liquidated damages: penalties for the defaulting party with the same nature as penalty interest.
How to calculate the loan amount of Nanjing provident fund
Legal analysis: the calculation formula of the loan amount of provident fund is: the monthly deposit amount/deposit ratio of the provident fund of the loan employees ×0.45 (repayment ability coefficient )×12 months× the actual loanable period (no more than 30 years from the legal retirement age). The calculation formula of the loan amount of the provident fund is: the monthly deposit amount/deposit ratio of the provident fund of the loan employee ×0.45 (repayment ability coefficient )×12 months× the actual loanable period (no more than 30 years from the legal retirement age).
Take loanable period 15 years and contribution ratio 10% as an example. For an employee with a monthly salary of 3,000 yuan, his individual and unit pay the provident fund 300 yuan every month, so the provident fund he can borrow is 300/10% × 0.45×12×15. If the employee's monthly salary is 4,000 yuan, other conditions remain unchanged, his maximum loan is 324,000 yuan. Because he has exceeded the maximum personal loan limit of 300,000 for Nanjing Provident Fund, he can only borrow 300,000.
Legal basis: Regulations on Housing Provident Fund
Article 1 These Regulations are formulated in order to strengthen the management of housing provident fund, safeguard the legitimate rights and interests of the owners of housing provident fund, promote urban housing construction and improve the living standards of urban residents.
Article 2 These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC).
The term "housing accumulation fund" as mentioned in these Regulations 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 and social organizations (hereinafter referred to as units) and their employees.
Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.
Article 4 The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, special account storage and financial supervision.
Nanjing provident fund loan amount
The maximum amount of Nanjing housing provident fund is 300,000 RMB for individuals and 600,000 RMB for couples.
1. A single provident fund loan is based on husband and wife, and the loan amount is the lowest of the following three items:
(1) The loan amount determined according to the borrower's repayment ability. The calculation formula is: the monthly deposit of the borrower's housing provident fund/the ratio of the borrower's housing provident fund × the individual repayment ability coefficient × 12 (month )× the actual loanable period. If both husband and wife have paid the provident fund and borrowed jointly, the loan amount shall be the sum of the loan amounts calculated by both husband and wife. The spouse is an active officer (including a non-commissioned officer), and the loan amount is the maximum personal loan.
(2) The loan amount determined according to the proportion of the specified loan amount to the total house price. Purchase the first set of self-occupied housing or the second set of improved ordinary housing, and meet the conditions, and the loan amount does not exceed 80% of the total house price; If the borrower uses the money to buy a house, the money should be fully included in the down payment, and the deducted part is not counted as the loan amount.
(3) the prescribed maximum loan amount. The maximum amount of employee loans paid by husband and wife into provident fund is twice that of personal loans.
(4) In 20021year, Nanjing Housing Provident Fund Management Center published three revised documents, namely, Nanjing Housing Provident Fund Deposit Rules, Nanjing Housing Provident Fund Withdrawal Rules and Nanjing Housing Provident Fund Loan Rules. The new document will be implemented from May 202 1 day to May 1 day.
How to calculate the loan amount of Nanjing provident fund in 2022?
How to calculate the loan amount of Nanjing provident fund in 2022?
How to calculate the loan amount of Nanjing provident fund in 2022? The maximum amount of personal loans is stipulated, and the maximum amount of employee loans paid by husband and wife into provident fund is twice that of personal loans. How to calculate the loan amount of Nanjing provident fund in 2022?
How to calculate the loan amount of Nanjing provident fund in 2022 1
Nanjing China Merchants Bank has launched a provident fund loan, and the loan amount is the minimum of the following three calculations.
Provincial Provident Fund: At present, the maximum loan amount for employees who pay housing provident fund is 300,000 yuan; For employees whose husband and wife both pay housing provident fund, the maximum loan amount is 600,000 yuan.
City provident fund: the maximum amount must be calculated according to the conversion ratio (calculated according to the deposit period and amount). If one party is the provincial provident fund and the other is the municipal provident fund, which party is the loan applicant to decide the loan amount.
1. The loan amount is determined according to the borrower's repayment ability. The calculation formula is: the monthly deposit of the borrower's housing provident fund/the ratio of the borrower's housing provident fund × the individual repayment ability coefficient × 12 (month )× the actual loanable period. If both husband and wife have paid the provident fund and borrowed jointly, the loan amount shall be the sum of the loan amounts calculated by both husband and wife. If the spouse is an officer, it is deemed that the maximum amount of personal loan is calculated according to the loanable formula.
Note: The coefficient of individual repayment ability is 0.3.
2. The prescribed maximum amount of personal loans. The maximum amount of employee loans for which both husband and wife have paid provident fund is twice the maximum amount of personal loans.
3, the purchase of commercial housing, not more than 70% of the total purchase price; The purchase of second-hand houses shall not exceed 60% of the total purchase price or evaluation price (whichever is lower). When determining the transaction price of second-hand houses, compare the original price of People's Republic of China (PRC) Deed Tax Payment Certificate with the original price of Real Estate Sales Contract, and take the lowest price as the transaction price of houses.
Since June 65438+1October 10, 2009, if the construction area of the purchased house is greater than 144 m2, the loan amount shall be determined according to 50% of the lowest value in the following three cases:
(1) The loan amounts of the borrower's husband and wife are calculated separately according to the loanable formula and added together.
(2) stipulate the maximum amount of personal loans. The maximum amount of employee loans for which both husband and wife have paid provident fund is twice the maximum amount of personal loans.
(3) For employees who purchase commercial housing and affordable housing, the loan amount shall not exceed 80% of the total purchase price; For employees who buy second-hand houses, the loan amount shall not exceed 70% of the total purchase price.
How to calculate the loan amount of Nanjing provident fund in 2022 2
The maximum loan limit of Nanjing Provident Fund is 600,000.
The maximum loan amount is 300,000 yuan/person and 600,000 yuan/household.
Principles for determining the loan amount and term:
A single provident fund loan is based on husband and wife, and the loan amount is the lowest of the following three items:
(1) The loan limit is determined according to the borrower's repayment ability. The calculation formula is: the monthly deposit of the borrower's housing provident fund/the ratio of the borrower's housing provident fund × the individual repayment ability coefficient × 12 (month )× the actual loanable period. * * * For the same loan, the loan amount is the sum of the loan amounts calculated by the borrower and the spouse respectively.
(two) the loan limit is determined according to the proportion of the loan amount to the total house price.
(3) the prescribed maximum loan amount.
The term of the provident fund loan is in years, and the sum of the borrower's loan application period and the actual age at the time of applying for the loan shall not exceed the statutory retirement age in principle.
Borrowers who have continuously paid the provident fund in full for more than 5 years, have stable income, good reputation and the ability to repay the principal and interest of the loan may extend the loan term by 1 to 5 years.
The longest loan period shall not exceed 30 years.
The loan interest rate is subject to the provident fund loan interest rate stipulated by the People's Bank of China.
How to calculate the loan amount of Nanjing provident fund in 2022?
In Nanjing, employees who have paid the housing provident fund to the management center according to regulations can apply for provident fund loans if they purchase all or part of their own houses or build or repair their own houses within the administrative area of this Municipality.
Conditions for handling Nanjing provident fund loans
1. The borrower is a citizen of People's Republic of China (PRC) with full capacity for civil conduct. When applying for a loan, the borrower must open a housing provident fund account and pay it in full for more than 6 months (inclusive), and his personal and unit housing provident fund accounts are in a normal state of payment. If the housing provident fund has been deposited in different places, the deposit time can be calculated according to the deposit certificate provided by the housing provident fund management department of the original deposit place.
Officers and noncommissioned officers in active service who change jobs to local jobs have no monthly interval between the time of changing jobs and the time of entering local jobs. The service time in the army is regarded as the deposit time, which can be combined with the deposit time of the current unit. Those who are identified as talents of Class A, B, C, D and E may apply for housing provident fund loans after opening an account and paying the housing provident fund.
2. The borrower must be the purchaser himself or the property owner who constructs, rebuilds or overhauls the owner-occupied housing, and the purchased, constructed, rebuilds or overhauls the owner-occupied housing must be a complete set of housing.
Purchase, purchase of office buildings, commercial buildings, and other non-ordinary houses, purchase of some housing property rights (except affordable housing with property rights), purchase, construction, renovation and overhaul of housing land for non-state-owned land, renovation of housing, can not apply for provident fund loans.
3, for housing loans, there must be a legal and effective housing sales contract and agreement; To build or renovate a house, you must obtain a house ownership certificate, a state-owned land use certificate or a certificate of immovable property rights; To overhaul a house, there must be a Certificate of Ownership of the House, a State-owned Land Use Certificate or a Certificate of Immovable Property Rights, and relevant materials approved by the construction planning department above the local street (town) for overhaul.
4. Apply for a loan within three months from the date of issuance of the certificate of immovable property rights for newly built or rebuilt houses; Housing overhaul, the construction unit shall apply for a loan within three months from the date of issuing a unified invoice for the construction industry in Nanjing, Jiangsu Province after the completion of the overhaul.
5. The borrower has a stable economic income and the ability to repay the loan principal and interest, has a good personal credit report, and has no other debts that affect the loan repayment ability.
When the borrower applies for provident fund loans, it may not issue loans under any of the following circumstances:
1. There are still overdue loans that have not been returned, or the guarantor compensates or disposes of the collateral to return the loans;
2. The quasi-credit card or credit card overdraft is overdue;
3. In the past five years when applying for loans, the "accumulation fund" in overdue loans has accumulated to more than six periods (inclusive);
4. In the past two years when applying for a loan, other loans (excluding student loans) are overdue for more than 6 periods (inclusive);
5. When applying for a loan, the quasi-credit card or credit card is overdue (excluding the annual fee) for more than 6 periods (inclusive) in the past two years;
6. There are bad debts, suspension of payment and enforcement;
7. Withdrawing housing provident fund or obtaining provident fund loans by forging or altering certification materials, fictional labor relations, fictional housing consumption behavior, etc.;
8 serious or endangering public order * * * registered by the relevant departments and the punishment has not been completed;
9. There are debts that have not been registered by the relevant departments;
Under any of the following circumstances, the borrower cannot apply for provident fund loans within 1 year from the date of illegal registration:
Withdrawing the housing provident fund or attempting to defraud the provident fund loan by forging or altering the certification materials, fictional labor relations, fictional housing consumption behavior and other means; Illegal withdrawal of housing provident fund has retired; The provident fund loan illegally obtained has been repaid.
(six) to apply for provident fund loans to buy self-occupied housing, the down payment ratio is not less than 20% of the total purchase price. Unless otherwise stipulated by the state, such provisions shall prevail.
(seven) the existing housing construction area of the family does not exceed 1.20 square meters, and the per capita housing construction area does not exceed 40 square meters (adjusted in time according to the per capita housing construction area of this Municipality). When applying for provident fund loans, the down payment shall not be less than 20% of the total purchase price, and the loan interest rate shall be 1. 1 times the benchmark interest rate of provident fund loans.
Families with two or more houses cannot apply for provident fund loans.
8. Number of loans. If the borrower and spouse have applied for provident fund loans, neither party may apply for provident fund loans again before paying off the principal and interest of the loans. After the borrower pays off the principal and interest of the loan, eligible borrowers can apply for provident fund loans again.
The third (inclusive) and above provident fund loan applications will not be accepted.
When calculating the number of family or individual provident fund loans, the following four situations are combined:
① Number of local and off-site provident fund loans.
② The number of pre-marital provident fund loans for couples.
(3) During the marital status of husband and wife, for the same set of housing provident fund loans, both husband and wife calculate the same number of provident fund loans.
(4) If the purchased commercial house is returned (replaced) due to quality reasons, the issued provident fund loan has been returned when the house is checked out, and it shall not exceed one year from the date of loan issuance, regardless of the number of provident fund loans.
9. If the borrower and spouse have applied for provident fund loans, neither party may apply for provident fund loans again before paying off the loan principal and interest. If the husband and wife are divorced and have outstanding provident fund loans, the agreed property shall be owned by the main borrower and the loans shall be returned by the main borrower. If the original spouse settles its remaining loan share, it shall be deemed that the original spouse's provident fund loan has been settled.
What are the requirements for a loan amount of 500,000 yuan for Nanjing Provident Fund? How to calculate the loan amount of provident fund
What are the requirements for a loan amount of 500,000 yuan for Nanjing Provident Fund?
The maximum loanable amount of the first-home housing provident fund is 500,000 yuan/person and 1 10,000 yuan/household for both husband and wife; The maximum loanable amount of the second-home housing provident fund is 300,000 yuan/person, and both husband and wife are 600,000 yuan/household.
The loan amount of Nanjing provident fund is related to the monthly deposit amount and years of employee provident fund, and has nothing to do with the balance and withdrawal of personal accounts. The following is the formula for calculating the loan amount.
Loanable amount = monthly deposit of the borrower's housing provident fund/ratio of the borrower's housing provident fund × individual repayment ability coefficient (currently 0.45)× 12 (month )× actual loanable period.
We can calculate the loan of 500,000 yuan and the monthly deposit of the provident fund according to the years of the loan and the proportion of the borrower's housing provident fund.
The deposit ratio of the provident fund is the coefficient of the provident fund that we should pay. For example, if your salary is 100 yuan and the coefficient of provident fund payable is 3%, then the amount of provident fund payable is 3 yuan.
If you are not sure how much you can borrow, you can download the Nanjing Provident Fund APP loan for trial inquiry. In addition to considering the monthly contribution of the provident fund, you also need to review your credit situation.
The introduction of Nanjing provident fund loan formula ends here.