The maximum amount of housing provident fund loans for couples in Dongguan
8, yuan
The maximum amount of loans for individual employees to pay housing provident fund is 5, yuan; The maximum loan amount for both husband and wife to pay housing provident fund is ...
The starting loan amount of Dongguan housing provident fund loan is 5, yuan.
if the spouse fails to pay for 6 months but pays normally or does not belong to the normal deposit, the loanable amount will not be calculated.
if the spouse fails to pay for 6 months but pays normally, the deposit base will be included in the family income to calculate the ratio of supply to income.
What is the loan amount of Dongguan Provident Fund
Legal analysis: the maximum loan amount is no more than 6, yuan. Loan amount: Monthly deposit amount of housing provident fund ×12× balance of individual account of housing provident fund in the future )× 2 If the loan amount is less than 3, yuan, the maximum loan amount of housing provident fund shall be approved at 3, yuan on the premise that the individual's repayment ability is sufficient. The loan amount of housing provident fund is generally determined by the applicant (and his spouse)' s housing provident fund deposit amount, deposit ratio, deposit time, purchase amount, loan period and repayment ability, and the actual loanable amount is subject to the final approved amount of the management office. Most cities have stipulated the maximum amount of a single housing provident fund loan, which generally does not exceed 8% of the total housing price. Calculate the monthly income of yourself and * * * the same applicant: the monthly income, the monthly contribution of individual housing provident fund, and the contribution ratio of housing provident fund; 2. Calculate the maximum loanable amount: the maximum loanable amount is the monthly income of your family (referring to the monthly income of both husband and wife, the monthly income of other applicants such as retired employees and their children, the same below), the remaining amount after deducting the living expenses of 4 yuan at least every month, and then dividing it by the monthly repayment amount per 1, yuan of loans for the loan application period. 3. The specific loan amount should also consider the maximum loan amount, maximum loanable loan amount, minimum down payment and credit rating of a single loan.
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, building, rebuilding or overhauling their own houses; (2) Retired; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (five) to repay the principal and interest of the house loan; (six) 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.
What is the loan amount of Dongguan housing provident fund
Legal analysis: The starting loan amount of Dongguan housing provident fund loan is 5, yuan. If the individual employee pays the housing provident fund, the maximum loan amount is 5, yuan; If both husband and wife pay housing provident fund, the maximum loan amount is 8, yuan.
if both husband and wife have paid for 6 months normally, the loanable amount of the borrower and spouse shall be calculated separately, and the final loanable amount of the family shall be equal to the loanable amount of the borrower and the loanable amount of the spouse shall not exceed 8, yuan; If the spouse fails to pay for 6 months but pays normally or does not belong to normal deposit, the loanable amount will not be calculated and the final loanable amount of the family will not exceed 5,; If the spouse fails to pay for 6 months but pays normally, the deposit base shall be included in the calculation of the ratio of supply to income of the family income. Foreign, Hong Kong, Macao and Taiwan paid employees cannot participate in the calculation of the loanable amount in the name of their spouses. If they are paid normally, their deposit base can be included in the calculation of the ratio of supply to income of family income.
the loanable amount of employee's personal provident fund loan Y= balance of personal provident fund account b (deposit time coefficient t income adjustment coefficient I) liquidity adjustment coefficient l.
liquidity adjustment coefficient: it is a loan amount adjustment parameter set according to the different situations of the provident fund's ability to meet employees' demand for funds. The official website of our center announces the personal loan rate of housing provident fund to the public on a monthly basis (the second month after the end of each month). When the liquidity of funds changes and the personal loan ratio remains in the same range for three consecutive months, the Center will announce it to the public in time, and implement the corresponding liquidity adjustment coefficient from the next month after the date of announcement. The liquidity adjustment coefficient applied to the borrower's loan amount shall be subject to the corresponding liquidity adjustment coefficient when submitting the loan application for registration to the business system of the municipal housing provident fund management center.
Legal basis: 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 management measures 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 1 municipalities directly under the central government, cities where the people's governments of provinces and autonomous regions are located, and other cities divided into districts (prefectures and leagues) shall set up a housing provident fund management center to be responsible for the management and operation of housing provident fund according to the principle of simplification and efficiency. County (city) 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 counties (cities) where conditions permit. 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 people's government of the city, which is not for profit.
dongguan provident fund loan amount
dongguan provident fund loan purchases the first set of self-occupied housing with a maximum loan amount of 9, yuan, and purchases the second set of self-occupied housing with a maximum loan amount of 5, yuan and a minimum loan amount of 5, yuan. If the spouse fails to pay for 6 months but pays normally, the deposit base shall be included in the calculation of the ratio of supply to income of the family income. Foreign deposit workers cannot participate in the calculation of loanable amount in the name of their spouses. If they deposit normally, their deposit base can be included in the calculation of the ratio of supply to income of family income.
the loanable amount of employee's personal provident fund loan = the balance of personal provident fund account × (deposit time coefficient, income adjustment coefficient )× liquidity adjustment coefficient.
(1) Personal provident fund account balance: apply for the current provident fund account balance;
(2) Deposit time coefficient: the tabulation coefficient corresponding to the normal deposit months is calculated forward at the time of application. If there is interruption, the unpaid months are not included in the calculation;
(3) Income adjustment coefficient: the tabular coefficient corresponding to the current monthly deposit amount (individual deposit amount and unit deposit amount);
(4) liquidity adjustment coefficient: according to the tabulated coefficient corresponding to the personal loan rate.
Dongguan Housing Provident Fund Management Center is a public institution established with the approval of Dongguan Municipal Party Committee and Municipal Government and managed with reference to the Civil Service Law. It is responsible for the management of housing provident fund within the administrative area of Dongguan.
Responsibilities:
Dongguan Housing Provident Fund Management Center (hereinafter referred to as Management Center) was established on December 16th, 22 with the approval of Dongguan Municipal Party Committee and Municipal Government (Dongjibian [22] No.192).
according to the regulations on the management of housing provident fund (hereinafter referred to as the regulations), the housing provident fund management center performs the following duties:
(1) to prepare and implement the collection and use plan of housing provident fund;
(2) Responsible for recording the deposit, withdrawal and use of employee housing provident fund;
(3) To be responsible for housing provident fund accounting;
(4) to examine and approve the withdrawal and use of housing provident fund;
(5) preservation and return of negative housing provident fund;
(6) to prepare a report on the implementation of the plan for the collection and use of housing provident fund;
(7) to undertake other matters decided by the housing provident fund management Committee.
Internal organization:
There are 6 departments in Dongguan Housing Provident Fund Management Center.
General Department:
Assist the unit leaders in their daily work; Responsible for secretarial, administrative, comprehensive coordination, personnel and seal management; Responsible for party building, discipline inspection, legal education and organization of workers, youth and women; To undertake the work of meeting, government information disclosure, advertising, confidentiality and archives; Undertake procurement, asset management and logistics support.
accounting department:
responsible for the accounting of the financial revenue and expenditure and distribution process of the city's provident fund; Prepare provident fund accounting statements on a regular basis; Prepare the financial budget and final accounts of the city's provident fund; Prepare the annual plan for the collection and use of provident fund; Prepare a report on the implementation of provident fund; Statistics of provident fund business data, arrangement and filing of accounting files; Responsible for the accounting, budget and final accounts of the center's funds and trade union accounts.
Science and Technology Information Section:
To undertake the central information work and provide technical support; Responsible for the planning, construction, management, maintenance and upgrading of the provident fund information system; Responsible for the maintenance and management of office automation system and portal website; Responsible for the information update and release of the portal website; Responsible for the training of information system and computer use and management; Responsible for the information exchange and docking between the online service hall and the center and other departments and units.
business management section:
responsible for drafting business policies and adjusting business processes; Be responsible for analyzing business data and development trends; Be responsible for providing business guidance to the handling personnel of offices, entrusted banks and other departments and units; Responsible for the management of guarantee companies, agencies, evaluation companies and other cooperative units; Responsible for the green channel project audit; Responsible for the docking of business files with the entrusted bank and the custody of Dongan Garden Certificate; Cooperate with the unfreezing of employees' frozen restricted accounts who illegally take provident fund, inquiring about the deposit of provident fund for family members of affordable housing applicants, and docking on the online service hall; Responsible for other work of business operation management.
Audit and Supervision Section:
Responsible for the formulation and implementation of internal control evaluation standards; Responsible for auditing the collection, loan and withdrawal business; Responsible for the inspection and assessment of the operation of internal institutions and the agency behavior of cooperative institutions such as entrusted banks; Coordinate and cooperate with the external audit department in the audit supervision of the center and be responsible for the implementation of rectification; Responsible for other audit related work.
Policy and Regulation Section:
Responsible for the interpretation of provident fund policies; Responsible for the legal review of normative documents issued by the center; Be responsible for reviewing all kinds of contracts, agreements and other documents of the center; Responsible for the publicity of relevant laws, regulations and policies; Responsible for accepting complaints that the unit fails to pay the provident fund in accordance with the regulations, urging the construction and payment (including applying for compulsory execution, recovering the procedures for employees to open accounts in sealed households, and auditing the overdue payment, etc.) and administrative punishment; Responsible for collection and non-performing loan litigation in loans overdue; Handling legal affairs such as administrative reconsideration and administrative litigation; Responsible for deposit expansion and town street assessment; To be responsible for inquiring or auditing the compliance of enterprises such as evaluation, pre-evaluation and listing; Responsible for other law enforcement related work.
Let's stop here for the introduction of the loan amount of housing provident fund in Dongguan.