the minimum payment base of Nanjing provident fund is 228 yuan, and the maximum payment base is 372 yuan. The deposit base of housing provident fund refers to how much provident fund you should pay according to this figure. Housing provident fund is usually paid by the unit and employees together. The specific amount to be paid each month is determined according to the deposit base and payment ratio of housing provident fund. The deposit base of employees' housing provident fund is determined according to their average monthly salary last year. For example, if the average monthly salary of employees last year is 5, yuan, then the deposit base of housing provident fund of the employees in that year is 5, yuan.

provident fund loan conditions

1. The provident fund has been paid on time, in full and continuously in the six months before applying for the loan, and there is no outstanding provident fund in the two years before applying for the loan (different cities have different regulations on the payment period, which is subject to the city);

2. Have a stable source of economic income and the ability to repay the principal and interest on time;

3. The house purchased by the applicant is an ordinary house for self-occupation;

4. The applicant is the owner or owner of the purchased house;

5. The applicant can provide a guarantee company recognized by the provident fund center as a repayment guarantee or a securities recognized by the bank as a pledge;

6. The applicant's husband and wife have no outstanding provident fund loans;

7. Meet other loan conditions stipulated by the Provident Fund Center.

provident fund loan process

1. Loan application

The applicant submits a written application to the bank and submits relevant materials.

2. loan approval

the bank accepts the examination in time and submits it to the provident fund center. The provident fund center approves the loan and informs the bank of the approval result in time.

3. signing a contract

the entrusted bank signs a loan contract with the applicant and submits the loan contract and other procedures to the provident fund center for review.

4. Go through the guarantee procedures

Go through the guarantee procedures according to the guarantee method you choose.

5. Loan issuance

After the approval of the provident fund center, the entrusted bank will issue the loan in full and on time according to the loan contract.

Legal basis:

Regulations on Housing Provident Fund Management

Article 13 The housing provident fund management center shall set up a special account for housing provident fund in the entrusted bank.

the unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for its employees. Each employee can only have one housing provident fund account.

the housing provident fund management center shall establish a detailed account of employees' housing provident fund to record the deposit and withdrawal of employees' individual housing provident fund.