Quanzhou provident fund loan amount calculation formula is as follows:
1. Calculate the monthly income of the applicant and Xun Haobo * * *: monthly income = the monthly contribution of individual housing provident fund divided by the contribution ratio of housing provident fund;
2. Calculate the maximum loanable amount: the maximum loanable amount is the monthly income of the family (referring to the monthly income of the husband and wife who receive the children and other applicants, the same below), the balance after deducting the monthly living expenses of at least 400 yuan, and then dividing it by the monthly repayment amount of the loan per 10,000 yuan during the loan application period.
3. The specific loan amount should also consider the maximum amount, maximum loanable amount, minimum down payment and credit rating of a single loan.
The conditions for carrying socks in the provident fund are as follows:
1, employees or their immediate family members (spouse, children, parents) purchase owner-occupied houses and pay the purchase price;
2. The employee or his spouse repays the house purchase loan;
3. The construction and reconstruction of employees or their spouses shall be implemented from the date of approval of the approval documents.
4. Renting a house for self-occupation is within the term of the lease contract.
5. Deposited employees are migrant workers;
6, workers or their immediate family members (spouse, children, parents) enjoy the minimum living guarantee for urban residents.
Legal basis: Article 25 of the Regulations on the Administration of Housing Provident Fund.
If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.
Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall make a decision within 3 days from the date of accepting the application and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.
Second, how did the provident fund rise?
The average salary multiplied by 5% is12 (the figure of 5%-12% is determined by the leaders through consultation, and each unit is different, but it will not be lower than 5% or higher than12%). Did you say you have a basic salary and a commission or something? If so, it may be the number obtained by multiplying the basic salary plus commission by a few percent. But each unit is different. You can ask how the unit's finance got this figure, and this right to know can still be known.
3. What is the calculation formula for the increase of provident fund?
The monthly deposit of housing provident fund is determined according to the total monthly deposit of units and individuals. Specific calculation formula:
Unit monthly deposit = deposit base × deposit proportion (rounded below RMB), individual monthly deposit = deposit base × deposit proportion (rounded below RMB), and total monthly deposit = unit monthly deposit × individual monthly deposit.
1, and the deposit base is the average monthly salary of employees in the previous year.
The deposit base of housing provident fund is approved in full according to the wages payable by employees at the end of last year and adjusted once a year. In principle, the deposit base shall not exceed 3 times the average monthly salary of employees in the previous year announced by the statistical department of the city where the employees are located. The annual adjustment time is notified in advance by the center.
2. The deposit ratio of housing provident fund is 12% (that is, each unit and individual 12%), and the same unit implements the same deposit ratio.
Units that have real difficulties in depositing housing provident fund may reduce the deposit ratio or postpone payment after discussion and approval by the workers' congress or trade union of the unit, and after examination by the Municipal Housing Provident Fund Management Center and approval by the Housing Provident Fund Management Committee. After the economic benefits of the unit improve, the deposit ratio will be increased or the overdue payment will be postponed.
4. What is the calculation formula for converting reserve fund into share capital?
The algorithm is the same as stock delivery.
Calculation formula for converting reserve fund into share capital:
Ex-dividend price = closing price on the registration date /( 1 share conversion rate)
Transfer and scheduling
The theoretical calculation formula of ex-dividend and ex-dividend is: (closing price of the previous day-dividend amount × allotment rate) ÷( 1 allotment rate).