According to 3.25%, it is 6 1538 yuan, 2.75% for 20 18 years and 3.25% for more than five years. The housing provident fund loan policy is as follows
1, eligible for provident fund loans.
2. If the current interest rate of provident fund loans is adjusted and implemented on the 4th, the annual interest rate of provident fund loans for more than five years is 3.25%, and that of provident funds for five years and below is%, which is consistent throughout the country.
3. As for the loans enjoyed by provident fund loans, the state stipulates that all employees who deposit provident fund loans can apply for individual housing provident fund according to the relevant provisions of provident fund loans. There are different methods in different places: one is to calculate according to the formula, such as Beijing. Loan amount = (monthly individual deposit amount/deposit ratio-minimum living guarantee amount coefficient 2, calculated by several times the balance of provident fund account. For example, Shenzhen is the calculation of the loan amount of loanable provident fund, which should be determined according to four conditions: repayment ability and high price limit. The minimum value calculated by the four conditions is the maximum loanable amount of the borrower. The calculation method of provident fund loan amount is as follows:
1. The formula for calculating the loan amount according to the repayment ability is: [(total monthly salary of the borrower, monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month).
2. Amount used by 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-monthly repayment amount ]× loan period (month). Among them, the repayment ability coefficient is 40% of the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution).
3. Loan amount calculated according to house price: the calculation formula is: loan amount = house price × loan ratio.
4. Loan amount calculated according to the maximum loan amount: The specific maximum amount varies from place to place, so it is recommended to consult the local housing provident fund management center. 14 times the gold account balance. Third, no matter what way, provident fund loans are capped, and they vary from place to place. Please consult the local provident fund management center or guarantee.
Second, where can I borrow 2000 yuan?
bank
Where can I borrow 2000 yuan?
Generally speaking, 2000 yuan is not much. If you really need it urgently, you can borrow it from your family, relatives, friends or colleagues, classmates and other acquaintances. If you can't borrow it, you can try platforms such as Alipay and WeChat.
4. Where can I borrow 2000 yuan quickly?
If you are in a hurry to borrow money, you can try spending money, borrowing money, small loans, gold bars and so on. Lending speed is very fast. A formal lending platform meets the following three conditions: a formal lending company has a financial license, that is, a business license of a financial institution, which is a formal document approving financial institutions to conduct business. At present, financial licenses are issued by CBRC and CIRC respectively. Financial supervision is divided into pre-supervision, in-process supervision and post-supervision. Market access system is the core of prior supervision, and financial license is the normalization of market access system. Generally, the loan products launched by licensed institutions will basically be connected to the central bank's credit information system. The formal platform has a standardized loan application process. Online formal loan companies, most of which provide credit loans, are unsecured and unsecured. Therefore, the loan platform needs to understand the repayment ability and willingness of the loan applicant. For example, you need to master personal credit status, income status, debt ratio, work unit and other information. A formal loan contract will be provided after the loan conditions are met. Peer-to-peer lending refers to the borrowing and lending of funds by both borrowers and lenders on the Internet platform. Online loans are mainly small, which originated in Europe and America during the financial crisis. P2P lending has made some achievements in alleviating short-term capital seeking, risk financing and opening up personal investment channels. In fact, online lending is not difficult to understand. All processes such as authentication, bookkeeping, clearing and delivery are completed through the network. First, it is worth noting that regular online lending companies will not charge any fees before lending. Only after the loan is officially issued will they charge interest or a certain handling fee. If the borrower is required to pay the membership fee and unfreezing fee first, the platform is generally informal. The loan interest rate of formal platform must conform to the provisions of the state, and the loan interest rate of formal lending institutions must be within the scope stipulated by the state. There are many so-called "low threshold and low interest" lending institutions. Second, if there is no loan qualification, the loan period is very short and the loan amount is often less than the actual amount. After deducting various service fees, the comprehensive cost of the loan is very high. If there is a loan demand, you can choose to spend money under Xiaoman Finance. The platform is supported by bat factory, which meets the above three points. It is a formal and reliable lending platform. But remind applicants to borrow as needed, spend reasonably and repay on time.