How to calculate the loan amount of Zhongshan Provident Fund

Legal analysis: 1. The maximum loan amount of Zhongshan Provident Fund is 5, yuan.

According to the provisions on the amount of provident fund loans in Zhongshan City:

(1) The maximum amount of each housing provident fund depositor's housing loan is now set at 35, yuan. If a number of provident fund depositors apply for provident fund loans while buying a house, their respective loanable quotas can be accumulated, and the maximum application for purchasing a single house can be 9, yuan. The maximum amount of parking space loan can be 75, yuan (the borrower must purchase a self-occupied house in the community where the parking space is planned).

(2) villas, townhouses and single-family houses do not accept provident fund housing loan applications; The application for provident fund housing loan will not be accepted if the existing house (the property that has obtained the property ownership certificate) is over 3 years old, and it will not be accepted if the building with mixed structure is over 2 years old.

(3) The monthly repayment of principal and interest shall not exceed 5% of the applicant's income.

(4) The maximum loan amount, down payment ratio and loan period are formulated by Zhongshan Housing Provident Fund Management Committee and adjusted with the adjustment of national policies.

The loan amount of Zhongshan Provident Fund is reduced from 35, yuan to 3, yuan, and the loan amount of two applicants is 5, yuan; The interest rate of provident fund loans rose by 1%; Provident fund loans are limited to ordinary housing with a construction area of less than 144 square meters or an interior area of less than 12 square meters.

second, the loan period of provident fund

the loan period is 3 years

the maximum loan period of housing age is 3 years

the maximum loan period of borrower age is 65 years

third, the loan interest rate of housing provident fund:

According to the regulations of the People's Bank of China, the current actual interest rate is: the annual interest rate for loans with a term of less than 5 years (inclusive) is 4.%. If the loan term is less than one year (including one year), the one-time repayment of principal and interest at maturity will be adopted; if it is more than one year, the repayment of principal and interest by matching method or average capital repayment method will be adopted.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund, employees can withdraw the balance of their housing provident fund accounts under any of the following circumstances:

(1) purchasing, constructing, renovating or overhauling their own houses;

(2) retired;

(3) completely losing the ability to work and terminating the labor relationship with the unit;

(4) leaving the country to settle down;

(5) repaying the principal and interest of the house purchase loan;

(6) the rent exceeds the prescribed proportion of family wage income.

in accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

if an employee dies or is declared dead, the employee's heirs and legatee can withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account will be included in the value-added income of the housing provident fund.

how much can the provident fund loan be borrowed

1. How much can the provident fund loan be used as a hunger base

1. The maximum loan can be 1 million yuan. Among them, the paid employee can borrow more than 5, yuan, and the personal loan amount is available. The personal loanable amount of employees is determined by a certain multiple of the average monthly deposit, and its calculation formula is: multiple of the average monthly deposit of employees.

2. Legal basis: Article 29 of the Regulations on the Management of Housing Provident Fund

The value-added income of housing provident fund shall be deposited in the special account for value-added income of housing provident fund opened by the housing provident fund management center in the entrusted bank, which shall be used to establish the risk reserve for housing provident fund loans, the management expenses of the housing provident fund management center and the supplementary funds for the construction of urban low-rent housing.

2. How many years can the provident fund loan last

1. The housing provident fund loan period is 1-3 years. Theoretically, the loan period cannot be longer than the time when the lender reaches the statutory retirement age, but some local policies can extend it to five years after the statutory retirement age;

2. The loan period of housing provident fund loans is also related to the first-hand and second-hand houses and their uses. Apply for housing provident fund loans. The longest time for borrowing new houses should not exceed 3 years, and the longest time for borrowing second-hand houses should not exceed 15 years. The longest time for applying for loans from housing provident fund for private construction, renovation and overhaul should not exceed 15 years. Apply for loans for provident fund loans for additional construction, renovation and overhaul of houses. The loan period should be the same as the requested loan period for buying houses. It should be noted that the above years shall not be greater than 5 years after the statutory retirement time of the borrower.

how much can the deposit base of Zhongshan Provident Fund be 8, yuan

6, yuan? According to the relevant regulations of the Housing Provident Fund Management Center, the deposit base of Zhongshan Provident Fund is 8, yuan, which is the largest loan limit. The fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.

This is the end of the introduction about how much and how many times Zhongshan Provident Fund loan can be borrowed. Did you find the information you need?