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How does Tangshan City, Hebei Province calculate how much money it can borrow from its provident fund?
The subjectivity of law: 1. How much can Tangshan 30 thousand provident fund borrow? The loan amount of the borrower shall be reasonably determined according to the value of the property purchased by the borrower and the repayment ability, and shall not exceed the maximum limit. The repayment ability of the borrower is determined according to his salary income, and the monthly repayment amount shall not exceed 50% of his income, and the monthly living expenses of each dependent population shall be guaranteed at least in 500 yuan. Use the reverse calculation method to determine the borrower's salary income, as follows: 1, monthly income = housing provident fund deposit amount ÷ (unit deposit ratio+individual deposit ratio); 2. Monthly repayment amount ≤ monthly income ÷ 2; 3. Living expenses = number of dependents *500. 2. Tangshan provident fund loan amount 1, and the maximum loan amount for single and double-paid workers' families is 600,000 yuan; 2. Purchase a new passive ultra-low energy-consumption self-occupied house with two-star and above green building standards, and the loan amount will increase by 20%, with a maximum loan amount of 720,000 yuan; 3. The maximum loan amount of Tangshan Phoenix Cai Ying is 800,000 yuan; 4. The maximum loan amount for high-end innovative talents introduced from caofeidian area, China (Hebei) Pilot Free Trade Zone shall be implemented in accordance with relevant policies and regulations. Three. Regulations of Tangshan Provident Fund Loan Law on Housing Provident Fund Management (Revised by the State Council's Decision on Amending Some Administrative Regulations on March 24, 20 19) Article 11 The housing provident fund management center shall perform the following duties: (1) To prepare and implement the plan for the collection and use of housing provident fund; (two) responsible for recording the deposit, withdrawal and use of employee housing provident fund; (three) responsible for the accounting of housing provident fund; (four) to approve the extraction and use of housing provident fund; (five) responsible for the preservation and return of housing provident fund; (six) the preparation of housing provident fund collection and use plan implementation report; (seven) to undertake other matters decided by the housing provident fund management committee. Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.