Nanchang provident fund loans, single employees can borrow up to 500 thousand, double employees can borrow up to 600 thousand. (Provincial and municipal provident funds) are the same. Not every house can borrow that much. According to the area and location of the house to evaluate, specifically look at the house.
For more relevant information, you can pay attention to the human resources of Jiangxi Datang.
2. How much can a person borrow from Nanchang Housing Provident Fund?
(China Merchants Bank) The personal pure provident fund loans shall not exceed 300,000, and the husband and wife pure provident fund loans shall not exceed 600,000.
Third, Nanchang provident fund loan amount
The loan amount of Nanchang Provident Fund is as follows: 1. The maximum loan amount for purchasing houses in urban areas is adjusted to 500,000 yuan, and the maximum loan amount for purchasing ordinary houses is adjusted to 600,000 yuan; 2. In Nanchang County, Xinjian County and Wanli District, the maximum loan amount is adjusted to 400,000 yuan, and for ordinary housing, it is adjusted to 450,000 yuan; 3. In Anyi County and Jinxian County, the maximum loan amount is adjusted to 300,000 yuan, and for ordinary houses, it is adjusted to 350,000 yuan. The way to determine the loan amount of provident fund is to comprehensively judge the loanable amount and repayment ability according to the borrower's provident fund deposit, account balance, deposit time and remaining deposit years. The requirements for provident fund loans are as follows: 1. Provide valid local account in Zhengzhou or valid residence certificate in Yibin; 2. Have a legal job and stable income in Zhengzhou, pay slips, bank running water, etc. ; 3. The applicant has continuously paid the housing provident fund for more than 6 months before the loan in Zhengzhou, and the cumulative payment time of the provident fund cannot be less than 12 months; 4. The borrower and his wife have no outstanding provident fund loans; 5. Other conditions stipulated by the lending bank. "Regulations on the Management of Housing Provident Fund" Article 9 The Housing Provident Fund Management Committee shall perform the following duties in the management of housing provident fund: (1) Formulate and adjust specific measures for the management of housing provident fund according to relevant laws, regulations and policies, and supervise the implementation; (two) according to the provisions of article eighteenth of this Ordinance, formulate the specific deposit ratio of housing provident fund; (three) to determine the maximum loan amount of housing provident fund; (four) approval of housing provident fund collection and use plan; (five) to consider the housing provident fund value-added income distribution plan; (six) to examine and approve the report on the implementation of the plan for the collection and use of housing provident fund. Article 10 The cities where the people's governments of municipalities directly under the central government, provinces and autonomous regions are located and other cities divided into districts shall set up housing provident fund management centers in accordance with the principle of simplification and efficiency, and be responsible for the management and operation of housing provident fund. County does not set up housing provident fund management center. The housing provident fund management center specified in the preceding paragraph may set up branches in qualified counties. The housing provident fund management center and its branches shall implement unified rules and regulations and conduct unified accounting. Housing provident fund management center is an independent institution directly under the Municipal People's Government, which is not for profit.
Fourth, how to calculate the amount of Jiangxi provident fund?
The loan amount of provincial provident fund = (the balance of the main lender's provident fund is the same as that of the borrower's provident fund), 20 times the deposit period coefficient and the remaining deposit period coefficient (this coefficient is 1).
The maximum amount of existing housing provident fund loans paid by provincial units (800,000 yuan for double employees and 700,000 yuan for single employees).
It should be noted that the employee's single deposit refers to the main borrower's deposit of housing provident fund in the center of Jiangxi Province; Dual-employee means that the main borrower pays the housing provident fund in the center of Jiangxi Province, and the same borrower only pays the housing provident fund in the center of Jiangxi Province, Nanchang City, Nanchang Railway or Jiujiang City.
At the same time, the loan amount should also consider the deposit status, deposit time, whether to transfer money from different places and other factors. According to the deposit base, the income can be calculated. The monthly payment cannot exceed 60% of the income, which is more complicated. The rough calculation can be made by using the loan trial tool of Nanchang Provident Fund Management Center. The specific situation still requires telephone consultation with the relevant provident fund management center.