1. You can't use the provident fund as an inheritance. 2. The maximum loan amount of Nanning and District Direct Provident Fund will be increased to 40W. 3. No matter whether you buy a new commercial house or a second-hand house, you must pay a down payment before you can apply for a provident fund loan. The down payment ratio of new houses and second-hand houses is different. 4. You can only apply for provident fund loans after paying the provident fund for one year.
Second, how much can Nanning's 10,000 provident fund loan borrow?
1. The maximum loan limit of Nanning Provident Fund is 600,000. For unmarried single employees who have paid the housing accumulation fund 1.500 yuan or above every month, the maximum loan amount will be relaxed to 500,000 yuan; (2) If both husband and wife deposit housing provident fund in the center, and the sum of their monthly housing provident fund deposits exceeds 2,000 yuan (inclusive), the maximum loan amount will be relaxed to 600,000 yuan. 2. Nanning housing provident fund loan interest rate The annual interest rate of loans for less than five years is 4.00%, and the annual interest rate of loans for more than five years is 4.50%.
3. What is the maximum loan for Nanning housing provident fund?
500 thousand
4. What is the formula for calculating the loan amount of Nanning provident fund?
Legal analysis: Nanning provident fund loan amount calculation formula: according to the repayment ability calculation formula, {(total monthly salary of the borrower and monthly payment of the housing provident fund of the borrower )× repayment ability coefficient-total monthly repayment amount of the borrower's existing loan }× loan term (month), {(total monthly salary of both husband and wife and monthly payment of the housing provident fund of both husband and wife )× repayment ability coefficient-total monthly repayment amount of the existing loan of both husband and wife }× loan term (. Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution); According to the calculation formula of house price, loan amount = house price × loan ratio, in which the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans; According to the account balance, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when the employee applies for a loan (if the spouse housing provident fund is used to apply for a housing provident fund loan at the same time, it shall be the sum of the balance of the employee's own and spouse's housing provident fund account), and if the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000; According to the maximum amount, the maximum loan amount for applying for housing provident fund loans with my own housing provident fund is 400,000 yuan, the maximum loan amount for applying for housing provident fund loans with my spouse is 600,000 yuan, and the maximum loan amount for applying for housing provident fund loans with my spouse is 500,000 yuan. Use the spouse's housing provident fund to apply for housing provident fund loans, and the maximum loan amount for the spouse or his spouse to repay the housing provident fund loans normally is 700,000 yuan. Legal basis: "People's Republic of China (PRC) Social Insurance Law" Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, work injury insurance, unemployment insurance, maternity insurance, etc., to protect citizens' right to get material help from the state and society in accordance with the law in case of old age, illness, work injury, unemployment, maternity and so on. Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations. Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.