The amount of provident fund loans is related to wages.
The monthly deposit amount of employee housing provident fund is 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.
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.
The nature of housing provident fund is as follows:
1, security, the establishment of employee housing provident fund system, providing a guarantee for employees to solve housing problems faster and better;
2. Mutual assistance, the establishment of housing provident fund system can effectively establish and form a mechanism and channel for workers with housing to help workers without housing. Housing provident fund provides financial assistance to workers without housing, which reflects the mutual assistance of housing provident fund to workers;
3. In the long run, every urban employee must pay personal housing provident fund from the date of joining the work to the date of retirement or termination of labor relations; The employee's unit should also pay the housing provident fund for employee subsidies as required.
The characteristics of housing provident fund are as follows:
1, universal, urban workers, regardless of the nature of their work units, family income, whether they have housing, must pay the housing provident fund in accordance with the regulations;
2, mandatory (policy), the unit does not apply for housing provident fund deposit registration or does not set up housing provident fund accounts for employees of the unit, the housing provident fund management center has the right to order it to handle it within a time limit, if it fails to handle it within the time limit, it can be punished according to the relevant provisions, and may apply to the people for compulsory execution;
3, welfare, in addition to the housing provident fund paid by employees, the unit has to pay a certain amount for employees, and the interest rate of housing provident fund loans is lower than that of commercial loans;
4. Repayment: the employee retires, resigns, or completely loses the ability to work and terminates the labor relationship with the unit, and the household registration moves out or settles abroad. The paid housing provident fund will be returned to individual employees.
Article 15 of the Regulations on the Management of Housing Provident Fund, if a unit employs employees, it shall go through the deposit registration at the housing provident fund management center within 30 days from the date of employment, and go through the formalities 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.
Relationship between commercial loan amount and income
Positive relationship. In fact, the relationship between the commercial loan amount and the income is that the borrower's economic income is a factor affecting the loan amount, which will affect the loan amount to a certain extent. The higher the average economic income of the borrower, the higher the loan amount may be. Many banks have regulations on monthly repayment. For example, some banks require that the proportion of monthly loan expenditure to monthly income be controlled below 50% (inclusive).
Extended data:
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Mortgage, also called personal housing loan. Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.
The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.
Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing. Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.
The borrower shall provide the lender with the following information: identity documents; Proof of stable income of the borrower's family; Letter of intent, agreement or other approval documents of the house purchase contract that meet the requirements; List of collateral or pledge, proof of ownership and proof that the person with the right to dispose of it agrees to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate; Five, to apply for housing provident fund loans, you need to hold a certificate issued by the housing provident fund management department; Other documents or materials required by the lender.
Does the loan amount have anything to do with income? Teach you how to increase the loan amount.
We all know that no matter which institution's loan products are, the maximum amount will be set, but in fact, everyone's loan amount is different. Therefore, if you want to make your loan amount high, you need to understand the factors that affect the loan amount. So, does the loan amount have anything to do with income? Let's have a look.
Does the loan amount have anything to do with income?
That's for sure. After all, the income can reflect the lender's repayment ability. The higher the income, the higher the loan approval amount of the lending institution, and the more assured it is. Relatively speaking, for people with low incomes, lending institutions are definitely reluctant to approve high quotas, for fear that their repayment ability is insufficient and they cannot recover their loans smoothly.
However, income does not necessarily refer to punch card wages, but also includes many aspects, such as annual income, year-end bonus issued by the company and various benefits, which can also be converted into cash and included in total income. What needs to be reminded here is that income is only one of the factors that affect the loan amount. If you want to get a higher amount, you can try to do so.
What are the ways to increase the loan amount?
1. Save personal credit information.
Personal credit is good, and it is easier to be recognized by banks. Banks don't have to worry about your non-repayment, and they will be happy to meet the loan amount. In order to maintain a good credit, in addition to paying all kinds of debts on time, it is best to pay the usual utilities and mobile phone fees in time.
2. Financial resources prove that you can do it.
If the bank gives you a loan, you are afraid that you won't get the money back. If you want the bank to trust your repayment ability more and increase your loan amount, you may wish to provide some financial documents such as real estate, automobile production and large deposit certificates under your own name to the bank. This is your asset, which proves that you have the ability to repay. With these financial documents in hand, the bank will be very willing to increase your loan amount.
3. It is more reliable to have collateral
If you have real estate, automobile products and other assets, you can apply for mortgage loans. Relatively speaking, banks will be looser and the quota will be higher. Because you have collateral, your repayment ability will be stronger, the risk of the bank will be smaller and the loan amount will be higher. But the mortgage must be repaid on time. If you don't want to repay, your collateral will be auctioned.
What is the relationship between mortgage and salary?
Buying a house and applying for a loan is related to your salary.
The bank loan amount is determined according to the applicant's situation, loan purpose, loan method and other factors. You can't just measure the amount of loans according to the level of wages.
Information about the applicant. When investigating the applicant's situation, we should consider the personal education, working years, work nature, salary income, personal credit, personal assets and liabilities, etc. ;
The purpose of the loan. The purpose of the loan also determines the level of bank loans. Simply put, the loan amount of buying a house and ordinary consumer loans is definitely different, and there is a big gap. Loans to buy a house are often hundreds of thousands of bank loans, and car loans generally do not exceed 200,000;
Loan method. The choice of loan method is also very important. If you want to make the bank loan amount higher, you can provide assets as collateral and apply for mortgage loans. If only, then you can apply for a personal credit loan.
What is the ratio of loan amount to salary?
Generally speaking, it is reasonable to control the ratio of monthly supply to monthly income within one third. If the proportion is too high, the repayment pressure will affect the normal quality of life. In addition, if there is unemployment, the supply will not be cut off.
Let me introduce you to the relevant knowledge of loans:
Loan (electronic IOU credit loan [5]) is simply understood as borrowing money with interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out by means of loans, which can meet the needs of social expansion and reproduction for supplementary funds and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
principle
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.
Microfinance
I. Review risks
The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links.
(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.
(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.
(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.
Second, the legal content of the pre-loan investigation
(1) Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is established according to law, whether it has the qualification and qualification to engage in relevant business, and check the business license and qualification certificate, and pay attention to whether the relevant certificate has passed the annual inspection or relevant verification.
(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.
(3) Regarding the borrower's loan situation, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender;
(4) Regarding the guarantee, if it is a guarantee, the qualification, reputation and performance ability of the guarantor shall be investigated.
Third, the borrower and its responsible person should also be specially examined. In order to reduce the moral hazard of the lender, the borrower and its responsible person should also be specially examined. When granting loans, financial institutions should not only examine the qualifications, conditions and operating conditions of borrowers, but also strengthen the examination and control of the personal qualities of investors, legal representatives of enterprises and key management personnel, including:
(a) for the chairman, general manager, factory director, manager and other key personnel gambling, drug abuse, whoring, keeping mistresses, frequenting dance halls, saunas, excessively arranging weddings and funerals, buying luxury cars disproportionate to their economic strength, and frequently renting luxury hotels, we must strictly control their corporate loans.
(two) loans to family business groups or companies must be strictly controlled. The so-called family group or company refers to an enterprise in which the main leaders of the group and its subsidiaries or branches and the main leadership positions within the enterprise are all or mainly held by blood relatives and their families and relatives.
(3) If the legal representative holds a foreign passport or permanent residence in a foreign country, and his enterprise or company has branches abroad, he should strictly control the loans of enterprises whose main family members have settled abroad or set up companies abroad, and pay close attention to the financial transactions of his legal representative with enterprises abroad. Especially for the transfer of funds abroad or the use of funds is unknown, it is necessary to strictly review, supervise and stop them in time. [2]
(four) to investigate the legal representative of the enterprise before the loan. Loans to affiliated enterprises where one person concurrently serves as the legal representative of several enterprises must be strictly controlled. [2]
(5) When examining the loan, we must consider the borrower's qualifications, conditions, operating conditions, repayment ability and the quality of the main person in charge of the enterprise. The borrower's political status as a "model worker", "advanced element", "overseas Chinese", "NPC representative" and "CPPCC member" shall not be used as an excuse to lower the loan conditions or illegally issue and manage loans. [2]
(six) the loan relationship only occurs between the parties. For loans that are greeted or written by leaders, relatives, friends, classmates and comrades-in-arms, the loan conditions shall not be relaxed. Do not meet the loan conditions, no loans.
(seven) when issuing secured loans, the relationship between the borrower and the guarantor should be carefully investigated. The borrower and the guarantor belong to the same group company, and the loan should be strictly examined. The guarantee provided by the branch of a non-independent legal person is invalid.
Four. The loan review suggests that every loan should be carefully reviewed, and the risk judgment of the loan should not be based on the past review or credit. Just because the borrower repaid the principal and interest on time in the past, the review or investigation procedures should not be relaxed.
Establish a fixed-term appointment system for the legal representative of the borrower and its main management personnel. The appointment period can be determined according to the size of the loan amount and the changes in the production and operation of the borrower. If the loan amount is large, the appointment period should be shortened accordingly.
Loan officers (loan officers, members of the credit review team and members of the credit review committee) shall not engage in improper private contact with borrowers in loan activities.
Credit officers and their immediate family members shall not accept the borrower's cash, precious gifts, shopping vouchers, etc. ; Shall not participate in recreational activities paid by the borrower; No expenses shall be repaid to the borrower.
For loans with large loan amount and long term, or loans used by borrowers for specific purposes, lawyers, accountants and other professionals should be hired to make professional judgments and provide expert opinions on related matters.