How to pay the supplementary housing provident fund?
The monthly deposit of supplementary housing provident fund is equal to the average monthly salary of employees in the previous year multiplied by the proportion of supplementary housing provident fund paid by employees and units. The proportion of employees and units to pay supplementary housing provident fund shall not be greater than 9% and less than 1% respectively. The specific deposit ratio is determined according to the actual situation of the unit.
Supplementary housing provident fund paid by employees shall be deducted from the monthly wage income of employees by the unit; The supplementary housing provident fund paid by the unit for the employees shall be borne by the unit. The supplementary housing provident fund paid and withheld by the unit for employees shall be deposited into the special account for supplementary housing provident fund set up by the municipal provident fund management center in the real estate credit department of CCB within five days from the date of monthly salary payment by the unit, and included in the individual supplementary housing provident fund account of employees.
How to apply for a supplementary housing provident fund loan?
The loan applicant can obtain the housing provident fund loan qualification as long as he has paid the housing provident fund (including time and amount) normally and continuously six months before applying for the loan. When applying for the housing provident fund loan, he can also apply for a supplementary housing provident fund loan.
Supplementary housing provident fund loans use the same loan multiples as basic provident fund loans. The amount of supplementary housing loan is adjusted from 2 times of the storage balance of supplementary provident fund to 15 times, and the maximum amount is adjusted from 30,000 yuan to100,000 yuan. Like the basic provident fund loan, if the borrower's balance of supplementary housing provident fund 15 times is less than100000 yuan, the balance multiple of this condition will be recalculated by 20 times.
How to sign the loan contract for supplementary housing provident fund?
Those who apply for supplementary housing provident fund loans will no longer sign a supplementary housing provident fund loan contract separately, but increase the amount of supplementary housing provident fund loans in the housing provident fund loan contract. The loan term, loan interest rate, repayment method and guarantee responsibility are consistent with the housing provident fund loan.
Bian Xiao answered questions such as the definition, payment method, use method and loan contract signing of supplementary housing provident fund. If property buyers have questions about supplementary housing provident fund loans, they can consult the bank. Different bank regulations will be different, so buyers should know something about it.
(The above answers were published on 2015-11-04. Please refer to the actual purchase policy. )
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