The website of Tianjin Housing Provident Fund Management Center today issued a notice on adjusting the policies related to individual housing provident fund loans. The following small series brings Tianjin the highest loan for purchasing the first home 1 10,000 yuan. Let's take a look, hoping to bring some reference.
The maximum loan for purchasing the first house in Tianjin is 6,543,800 yuan.
It is mentioned that employees applying for provident fund loans should open a housing provident fund account for six months and pay the housing provident fund for nearly six months every month without interruption. If employees apply for provident fund loans to purchase the first family housing, the maximum loan amount is 6,543,800 yuan; If you buy a second family house, the maximum loan is 500,000 yuan. Adjust the method of calculating the loan amount according to the repayment ability to: the monthly repayment amount shall not exceed 60% of the employee's monthly income (if the employee and spouse apply for provident fund loans, it shall be the sum of the employee's and spouse's monthly income, the same below).
Can Tianjin provident fund be paid by itself?
According to the relevant regulations of China's provident fund center, under normal circumstances, individuals cannot pay housing provident fund, and of course they cannot apply for housing provident fund. Instead, it must be established and paid by the unit. If you pay the provident fund, you must also have the official seal of the unit finance. The housing accumulation fund shall be withheld and remitted by the unit that has established labor relations with the employees, and a part of the amount shall be deducted from the employees' wages. It can also be simply understood that the unit that establishes labor relations with employees needs to establish and pay housing provident fund for employees, and individual employees cannot handle it. Legal provisions: "Regulations on the Management of Housing Provident Fund": Article 13 The housing provident fund management center shall set up a special account for housing provident fund in the entrusted bank. The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account. The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund. "Regulations on the Management of Housing Provident Fund": Article 15 If a unit hires 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.
How to calculate the payment base of Tianjin provident fund
The minimum deposit base of housing provident fund is not less than 2 180 yuan, and the maximum is not more than 25,539 yuan.
Payment ratio
Tianjin housing provident fund deposit base is 202 1 year total monthly wages of employees. The total wages of employees are calculated according to the statutory total wages of the national statistical department.
The minimum deposit base of housing provident fund is not less than 2 180 yuan, and the maximum is not more than 25,539 yuan.
The payment ratio is as follows:
1. State-owned enterprises, institutions and their employees shall pay the housing accumulation fund at the rate of 1 1% or 12% respectively.
2. Other units can independently determine the deposit ratio of units and employees between 5% and 12% according to their own conditions.
3. The deposit ratio of units and employees shall be consistent.
Note: The monthly contribution of housing provident fund for new employees and transferred employees is based on the monthly salary of employees, multiplied by the sum of the contribution ratio of employees themselves and their units.
How to inquire about Tianjin provident fund
With the development of Internet, there are more ways to inquire about provident fund. Now you can check the basic situation of individual provident fund online. 1. How to check the housing provident fund online: 1. Search the website where the housing provident fund is located. 2. After entering the website of the Housing Provident Fund Center, find the provident fund query. 3. In the pop-up page, enter the ID number and provident fund account number. The depositor of the provident fund account can check it here, and then enter the user password. Then click on the provident fund to inquire. 4. Click OK after the input is correct, and the following details will appear: provident fund account number, name, company, A/P, personal A/P, monthly payment, personal balance, company payment, month, personal payment, month, personal payment, personal status and so on. Second, the reasons why the housing provident fund can't be queried What are the main reasons why the housing provident fund information can't be queried? When querying the housing provident fund, it involves information such as the identity card number of the party concerned, and some units are negligent when participating in the insurance, resulting in the party being unable to query with the correct identity card. At this time, you can hold your ID card to the local provident fund management center to inquire and correct your personal information; The party concerned has withdrawn the provident fund and cancelled the account due to resignation and other reasons. The website of each place is different, and you can only log in to the website of the original provident fund management center for inquiry. The party concerned has withdrawn the provident fund and cancelled the account due to resignation and other reasons. Third, how to withdraw the housing provident fund 1, you must know whether you have a provident fund account and how much money is left in the provident fund account. We can check the service account number or pay attention to the local provident fund in official website, where we can find our provident fund account number and information. When inquiring, you must know the ID number, or the mobile phone number and password reserved by the bank. 2. After checking the account information, you can see our provident fund bank card account number. It doesn't matter whether this card is in our own hands or not, as long as we have such an account, we can withdraw it at any time. The provident fund will be paid every month, but the individual will pay half and the company will give you half. For example, if you personally pay 200 yuan a month, the company will also pay 200 yuan. In the * * * account, it's 400 yuan a month. 3. Pay attention when withdrawing the provident fund. In the end, I still have to leave about 200 yuan in my account, so I can't withdraw all of it. The premise of withdrawing provident fund is that there must be money in the account (it doesn't matter whether it is still paid in the current month), and the minimum payment month is more than 6 months.
How to calculate the loan amount of Tianjin housing provident fund
The current Tianjin housing provident fund loan amount is calculated according to the balance of the provident fund account, a certain proportion of all housing funds, the borrower's repayment ability and the loan ceiling, with the minimum value as the borrower's loan amount, but not higher than the housing provident fund loan ceiling. The specific calculation formula is as follows:
I. The loan amount is calculated according to the repayment ability:
1. The calculation formula of the employee's own loan amount 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).
2. The formula for calculating the loan amount of both husband and wife is: [(total monthly salary of both husband and wife+monthly contribution of housing provident fund of both husband and wife's work units) × repayment ability coefficient-total monthly repayment amount of existing loans of both husband and wife ]× loan period (month).