This is very important.

The larger the deposit base of provident fund loans, the more the balance of provident fund in the account will be, so the higher the amount of loans can be. It can be seen that the deposit base of the provident fund is directly proportional to the loan amount of the provident fund.

Therefore, the larger the deposit base of the provident fund, the more loans users can get, but when the loan amount is reached, the loan amount cannot be increased.

Extended data:

Housing accumulation fund 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, social organizations and their employees.

20 13 some cities have introduced measures to allow employees suffering from major diseases or their immediate family members to withdraw provident fund for emergency. 20 14 Three departments issued a document to cancel the housing accumulation fund, individual housing loan insurance, notarization, new house evaluation and compulsory agency guarantee, so as to reduce the burden on loan workers.

The Regulation on the Management of Housing Provident Fund in 20 15 stipulates that the contribution ratio of employees and units' housing provident fund shall not be lower than 5% and not higher than 12%. From February 2, 2006 to February 0, 2006, the deposit interest rate of employee housing provident fund account was adjusted to be based on the one-year fixed deposit benchmark interest rate, and the increased interest rate was 1.50%.

On September 7th, 20 18, Beijing adjusted the housing provident fund personal housing loan policy, with an annual loan of 654.38+million yuan, with a maximum loan of 12 million yuan. 20 19123 October 19 housing provident fund withdrawal business did not submit a paper withdrawal application.

Main attributes

(1) security, the establishment of employee housing provident fund system, which provides 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 mechanisms and channels for employees with housing to help employees without housing, and housing provident fund can help employees without housing in terms of funds, which reflects the mutual assistance of employee housing provident fund;

(3) In the long run, every urban employee must pay personal housing provident fund from the date of joining the work to the time of retirement or termination of labor relations; The employee's unit should also pay the housing provident fund for employee subsidies as required.

main feature

(1) universality, urban workers must pay the housing provident fund in accordance with the provisions of the Regulations, regardless of the nature of their work units, family income level and whether they have housing;

(2) Mandatory (policy). If the unit fails to register the deposit of housing provident fund or fails to set up a housing provident fund account for employees, the housing provident fund management center has the right to order it to handle it within a time limit. If no correction is made within the time limit, it may be punished according to the relevant provisions of the Regulations, and may apply to the people's court 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) Retractability: If the employee retires, resigns, or completely loses the ability to work and terminates the labor relationship with the unit, or the household registration moves out and settles abroad, the paid housing provident fund will be returned to the individual employee.

Is there a relationship between the amount of provident fund loans and the deposit base? How to calculate the loan amount of provident fund

Is there a relationship between the amount of provident fund loans and the deposit base?

The amount of provident fund loans is related to the deposit base, because the amount of provident fund loans is mainly calculated according to the balance in the lender's provident fund account, and the deposit base of provident fund is directly related to the balance in the provident fund account.

Monthly deposit of housing provident fund = the average monthly salary of employees in the previous year multiplied by the deposit ratio of employee housing provident fund+the average monthly salary of employees in the previous year multiplied by the deposit ratio of unit housing provident fund.

For example, if the employee's monthly salary is 6,000 yuan, then according to the payment ratio of 12%, the employee will pay 720 yuan every month, and the company will pay him 720 yuan, so the employee's provident fund account will earn 1440 yuan every month.

Most of the total amount of provident fund loans is to multiply the balance of the lender's provident fund account by 10 or 15. For example, the loan amount of Changsha provident fund is to multiply the lender's account balance by 15 within the maximum limit.

The calculation of provident fund loans is mainly based on the lender's repayment ability, the proportion of housing prices, the balance of housing provident fund accounts, the maximum loan limit and other factors.

In some places, the loan amount of provident fund = [(the total monthly salary of the borrower or husband and wife+the monthly deposit amount of housing provident fund of the unit where the borrower or husband and wife work) ×40%ㄧ repayment ability coefficient ×12 (month )× loan period.

Last reminder: commercial loans are approved and issued by banks, and provident fund loans are approved and issued by provident fund management center. Therefore, please consult the local provident fund management center for the materials and application process needed to apply for individual housing provident fund loans.

Is there a relationship between the deposit base of housing provident fund and the loan amount?

The deposit base of housing provident fund is related to the loan amount.

The relationship between the deposit base of the provident fund and the loan amount is that the loan amount of the provident fund needs to know the account balance, the deposit amount and the deposit ratio of individuals and units. So as to specifically calculate the loan amount. The specific understanding is as follows:

1, the provident fund deposit consists of two parts: the employee's individual provident fund deposit and the employee's unit's provident fund deposit, which belongs to the employee himself.

2. Provident fund deposit: the monthly deposit amount of individual provident fund deposit is the average monthly salary of employees in the previous year multiplied by the proportion of employee provident fund deposit.

3. The monthly contribution of the provident fund paid by the unit for the employees is the average monthly salary of the employees in the previous year multiplied by the contribution ratio of the unit provident fund. The calculation formula is: the monthly deposit base of employee housing provident fund = the total wages of employees in the previous year ÷ 12, and the provident fund loan amount refers to the maximum loan amount that individuals can apply for when using provident fund loans. Only employees who have permanent residence in local cities and towns, have established the housing provident fund system for more than 2 years, and have paid the housing provident fund according to regulations can enjoy the provident fund loan when the funds for purchasing or building houses or renovating or overhauling their own houses are insufficient.