It is a great benefit for friends who have not used the provident fund to buy a house or are renting a house before. Because it can be withdrawn on a monthly basis, there is no need to apply every month. It can be extracted at intervals, which is very convenient.
But for friends who want to use provident fund loans, after reading this policy, they will store the month and loan-to-deposit ratio. Is it a little confusing? I still don't know how much I can borrow.
In fact, the official article has explained it very clearly. However, we will explain this article again in simpler and more popular language.
First of all, I explain a prerequisite, that is, no matter how the loan amount in the New Deal is calculated, the upper limit of the provident fund loan amount is still 400,000 for singles and 700,000 for couples. This has not changed.
Then, how to calculate your own limit? First, look at the formula: the loan limit paid to employees = (loan-to-deposit ratio coefficient of storage months corresponding to the monthly provident fund).
This represents the sum. The monthly provident fund is easy to understand, that is, the sum of your personal contributions and your unit contributions.
The corresponding number of months of deposit means: if you borrow this month, last month (when both parties have paid the provident fund) is 1, and last month is 2, which will increase in turn until the month of your first deposit.
The deposit coefficient currently stipulates that the monthly deposit of 1 is 0.9.
Then, after the implementation of the new provident fund policy, if you apply for a loan this month, you will deposit 10 in the previous month, totaling 2,000 yuan per month, and you have never withdrawn the provident fund. The loan amount is calculated as follows:
(2000 *1* 0.9 2000 * 2 * 0.9 2000 * 3 * 0.9 2000 *10 * 0.9) = 99,000 yuan.
The above is the loan amount without drawing provident fund. However, if monthly withdrawal has been made or applied for, the monthly provident fund is equal to the amount deducted at the time of withdrawal.
Give two examples: 1. If you apply for a loan this month, the monthly provident fund deposit in 10 is still 2,000 yuan, but you have already withdrawn 5,000 yuan before applying for a loan, then your loan amount is calculated as follows:
[(2000-2000) * 1 * 0.9 (2000-2000) * 2 * 0.9 (2000- 1000) * 3 * 0.9.2000 * 10 * 0.9] =
2. Same deposit amount and time. If you apply for a loan this month and also apply for monthly withdrawal, such as 1000, which will take effect next month, then 1000 will be deducted from the monthly provident fund:
(2000- 1000)* 1*0.9 .(2000- 1000)* 10*0.9)。
This is the calculation method of the new loan amount. In short, it is linked to the monthly deposit amount and the deposit month, and the deposit amount is deducted from the withdrawal amount. Understand?
The following is the official original, please refer to:
A few days ago.
Detailed rules for the implementation of the New Deal for Chengdu Provident Fund were issued.
According to the New Deal of Chengdu Provident Fund Loan
Loan conditions of employee provident fund
And the calculation method of loan amount.
Will change.
Buy a new house or resell it.
The online purchase contract is located at
1October 8th and later 202110.
According to the new loan policy.
After the implementation of the new loan policy
What adjustments have been made to the loan conditions?
How much can the employee loan be repaid and how to calculate it?
Abu, let me be clear with you.
Letter of credit clause
According to the new loan policy, in terms of provident fund loan conditions, the down payment of provident fund loans and the balance of provident fund loans are cancelled. After the implementation of the New Deal, the depositor can decide whether to withdraw the balance of the provident fund for the down payment of the loan to buy a house according to his own deposit and withdrawal of the provident fund and the amount of the provident fund loan to be applied, so as to maximize the use value of the provident fund in the process of buying a house.
After the implementation of the New Deal, the filing form of new commercial housing purchase contract was changed from loan acceptance requirement to loan issuance requirement, that is, before you can apply for provident fund loan, you can also apply for provident fund loan if you have not completed the filing of the purchase contract after the New Deal, and then submit the filing form when the provident fund loan is issued, which will advance the whole process of provident fund loan.
loan limit
How much c
According to the new loan policy, the loan amount of employee provident fund will be calculated on a monthly basis, and the monthly loan amount is linked to the "monthly deposit amount of provident fund" and "corresponding storage months". The sum of the depositors' monthly loans is my loan amount.
According to the formula, the loan amount paid to employees = (loan-to-deposit ratio coefficient of the number of storage months corresponding to the monthly deposit amount of provident fund).
How to calculate the value of "monthly contribution of provident fund"?
If the paid employee fails to withdraw the provident fund, the value shall be taken according to the actual monthly deposit amount of the provident fund. If the paid employees withdraw the provident fund, they will be deducted from the withdrawal points one by one according to the principle of last in first out, and the value will be calculated according to the amount deducted in the current month until the corresponding withdrawal amount is deducted, and the deducted funds will no longer be included in the loan amount.
Count.
How to calculate the number of corresponding storage months?
The number of storage months corresponding to the last housing accumulation fund deposit of the paid employees is 1, and the corresponding storage months are 2, 3 and 4 respectively, starting from 1, and the natural months are backward in turn. .
What is the value of the deposit-loan coefficient?
According to factors such as liquidity, Chengdu Provident Fund Center timely adjusted and announced that the current deposit and loan coefficient is 0.9.
Give an example to illustrate the "double hook" calculation method of loan amount.
Assume that employees who have been paid in to work in August of 20021year should pay 2000 yuan of provident fund every month. The employer only completed the opening of the housing provident fund account in September, 20021year, and paid the overdue provident fund in August. The employee was paid in February 202 1, 65438+,and 5000 yuan was withdrawn. In February 2023, he applied for a provident fund loan, but the employer had not issued it in that month. See the following table for the calculation of specific loan amount:
Calculation method of loan amount after "double hook"
Case description:
1. "Monthly Payment of Provident Fund" logo (that is, the provident fund that can be included in the quota calculation in the current month)
(1) The entry time shall prevail, regardless of remittance and payment. In August of 20021year, the paid-in employee provident fund was actually recorded in September, so the corresponding "monthly paid-in provident fund" in September was 4,000 yuan.
(2) In case of withdrawal, it shall be deducted monthly according to the principle of "last in first out". As the salaried employee withdrew 5,000 yuan in February 2002 1 year, the 2,000 yuan paid in February 2002 1 year was deducted, and then the 2,000 yuan paid in February 20021year/kloc-0 was deducted in turn. Therefore, 202 1 year,1month,1month,1month, and 1000 month can be included in the calculation of the paid-in employee quota, which are 65,438 yuan, 0 yuan and 0 yuan respectively.
2. Identification of "corresponding storage month"
The paid employee applied for provident fund loan in February, 2023, but the last deposit of the company was 65438+2023 10, so the "corresponding storage months" of 65438+2023 10 was 1. In order backward, the corresponding storage months from February +0, 20265438 to August +0, 20265438 are 2 to 6.
3. The "deposit and loan coefficient" and the corresponding monthly deposit funds can be enlarged.
At present, the deposit-loan coefficient is 0.9, and the corresponding monthly deposit magnification is shown in the following table:
Important: The above loan amount is only the result of formula calculation, and does not represent the actual loanable amount. The actual loanable amount should be determined by comprehensively evaluating the maximum amount of provident fund loans in this city (the maximum amount of double depositors is 700,000 yuan, and the maximum amount of single depositors is 400,000 yuan), the remaining house price after deducting the down payment, the proportion of repayment income of depositors, and the credit status of depositors.
4. About the loan amount
From August, 2002 1 year to June, 20231year, the paid-in employees paid a total of 12000 yuan, and 5,000 yuan was withdrawn. The balance when applying for a loan in June, 2023 was 7,000 yuan. The total loan amount is 23,400 yuan, and the minimum loan amount is 1000 yuan, so the paid employee loan amount is 23,000 yuan.
Q&A: How much can I borrow from 800 yuan for a monthly provident fund deposit? The loan amount of common provident fund ranges from 10 times to 20 times of the balance of provident fund. Under normal circumstances, the balance of 800 yuan's provident fund can be loaned from 8,000 yuan to16,000 yuan. However, the state has other regulations. If the balance of the provident fund is less than 10000 yuan, the loan shall be calculated according to 10000 yuan. Even if the balance of the provident fund is only 800 yuan, in fact, according to 10000 yuan, the loanable amount is between 100000 yuan and 200,000 yuan. Provident fund loan amount refers to the maximum loan amount that an individual can apply for when using provident fund loans. Only employees who have permanent residence in local towns, have established the housing provident fund system for more than 6 months, 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. The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower. Loan conditions: the total amount of provident fund paid by the borrower and his family members should reach at least 20% of the newly purchased (overhauled) housing expenditure; The lender has a stable economic income and the ability to repay the principal and interest; The borrower agrees to apply for housing mortgage registration insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc. The calculation method of the loan amount of the provident fund loan amount is as follows: the calculation formula of the loan amount calculated according to the repayment ability is [(total monthly salary of the borrower+monthly deposit of the housing provident fund of the borrower's unit) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month). According to the amount used by the spouse [(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). Among them, the repayment ability coefficient is 40% of the total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio+individual contribution ratio). The formula for calculating the loan amount according to the house price is: loan amount = house price × loan ratio. If I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. I use my housing provident fund to apply for a housing provident fund loan, and if I normally repay the housing provident fund when applying for a loan, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.