Dongguan provident fund loan to buy the first set of self-occupied housing, the maximum loan amount is 900,000 yuan, the second set of self-occupied housing, the maximum loan amount is 500,000 yuan, and the initial loan amount of provident fund loan is 50,000 yuan. If the spouse fails to pay the fee for 6 months but pays the fee normally, the deposit base shall be included in the calculation of the ratio of supply exceeding demand of family income. Foreign deposit workers cannot participate in the calculation of the loanable amount in the name of their spouses. If they deposit normally, their deposit base can be included in the calculation of the supply-income ratio of household income.
Loan amount of employee's personal provident fund loan = balance of personal provident fund account × (deposit time coefficient, income adjustment coefficient )× liquidity adjustment coefficient.
(1) Individual provident fund account balance: apply for the current provident fund account balance;
(2) Deposit time coefficient: the tabulation coefficient corresponding to the normal deposit month is calculated forward when applying. If there is an interruption, the unpaid months are not counted;
(3) Income adjustment coefficient: the table coefficient corresponding to the current month's deposit (individual deposit unit deposit);
(4) Liquidity adjustment coefficient: according to the tabular coefficient corresponding to the personal loan interest rate.
Dongguan Housing Provident Fund Management Center is a public institution approved by Dongguan Municipal Party Committee and Municipal Government and managed with reference to the Civil Service Law. 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 approved by Dongguan Municipal Party Committee and Municipal Government (Dongjibian [2002] 192) and was established in the office building of the First People's Government of Dongguan on1month1KLOC-0/day in 2002. February 2002 16.
According to the relevant provisions of the Regulations on Housing Provident Fund Management (hereinafter referred to as the Regulations), the housing provident fund management center shall perform the following duties:
(a) the preparation and implementation of housing provident fund collection and use plan;
(two) responsible for recording the deposit, withdrawal and use of employee housing provident fund;
(three) responsible for the accounting of housing provident fund;
(four) to approve the extraction and use of housing provident fund;
(five) responsible for the preservation and return of housing provident fund;
(six) the preparation of housing provident fund collection and use plan implementation report;
(seven) to undertake other matters decided by the housing provident fund management committee.
Internal organization:
Dongguan Housing Provident Fund Management Center has 6 departments.
General section:
Assist unit leaders to handle 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 meetings, government information disclosure, advertising, confidentiality and archival work; Undertake procurement, asset management and logistics support.
Accounting part:
Responsible for the accounting of the city's provident fund financial revenue and expenditure and distribution process; 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, sorting and filing of accounting files; Responsible for the accounting, budget and final accounts of the center 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 use and management of training information systems and computers; Responsible for the information exchange and docking between the online service hall and the center and other departments and units.
Operations Management Section:
Responsible for drafting business policies and adjusting business processes; Responsible for analyzing business data and development trends; 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, intermediaries, evaluation companies and other cooperative units; Responsible for the audit of green channel projects; Responsible for docking with the business files of the entrusted bank and keeping the certificate of Dongan Garden; Cooperate with unfreezing employees who illegally withdraw provident fund to freeze restricted accounts, inquire about the deposit of provident fund for family members of affordable housing applicants, and dock in the online service hall; Responsible for other work of business operation management.
Audit and Oversight Section:
Responsible for the formulation and implementation of internal control evaluation standards; Responsible for reviewing the collection, loan and withdrawal business; Responsible for checking and assessing the operation of internal institutions and the agency behavior of cooperative institutions such as entrusted banks; Coordinate and cooperate with the external audit department to supervise the audit 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 policy; Responsible for the legal review of normative documents issued by the center; Be responsible for reviewing various contracts, agreements and other documents of the Center; To be responsible for publicizing relevant laws, regulations and policies; Responsible for accepting the complaints that the unit fails to pay the provident fund according to the regulations, urging the construction and payment (including applying for compulsory execution, restoring the procedures for employees to open accounts in sealed households, and reviewing the overdue payment, etc.). ) and administrative penalties; Responsible for overdue loan collection and non-performing loan litigation; 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 enterprise evaluation, pre-evaluation and listing; Responsible for other law enforcement related work.
2. What is the loan amount of Dongguan Provident Fund?
Dongguan housing provident fund loan amount: the initial loan amount of housing provident fund loan is 50,000 yuan.
The maximum loan amount for employees to pay housing provident fund is 460,000 yuan, and the maximum loan amount for husband and wife to pay housing provident fund is 660,000 yuan; The maximum renovation loan amount is 6.5438+0.5 million yuan, and the loan amount does not exceed 30% of the value of the house purchased by the applicant. The loan amount of housing provident fund shall not exceed the maximum amount, and shall not be higher than 8 times the balance of the applicant's housing provident fund account. Three. Dongguan provident fund loan amount
The loan amount of Dongguan Provident Fund is as follows: 1. If the employee meets the loan application conditions, the maximum loan amount is 500,000 yuan. If employees and their spouses meet the loan application conditions, the maximum loan limit for each household is 654.38+0 million; 2. The specific loanable amount is comprehensively determined according to the deposit of employee housing provident fund and the loanable amount standard of housing provident fund loans, the status and price of purchased housing, individual repayment ability and credit status; 3 workers housing provident fund loan amount is insufficient, you can apply for housing provident fund portfolio loans. The term, guarantee method and repayment method of commercial loans in portfolio loans should be consistent with provident fund loans; 4. The loanable amount of employee housing provident fund is calculated according to the average monthly balance of employee housing provident fund account when applying for housing provident fund loan, and the calculation result is rounded to the nearest thousand. If the calculation result is higher than 500,000 yuan, it shall be determined as 500,000 yuan, and if it is lower than 654.38 million yuan, it shall be determined as 654.38 million yuan. The average monthly balance of the employee housing provident fund account is the average monthly balance of the employee housing provident fund account for nearly 12 months (excluding one-time payment for nearly 12 months) when the employee applies for a loan. If it is less than 12 months, it shall be calculated according to the actual number of months. The process of provident fund loan is as follows: 1. The borrower submits personal application materials to the entrusted bank window in the loan service hall; The specific materials are as follows: (1) the borrower and the borrower's resident ID card, the original and photocopy of the household registration book (* * * with repayment and guarantor) and * * * with repayment commitment letter; (2) proof of marital status (if married, provide a copy of marriage certificate, and other information shall be issued by the unit or police station); (3) Legal commercial housing purchase contract or agreement; (4) Personal credit certificate provided by the borrower and the borrower's unit. 2. Accepted and audited by the entrusted bank; 3, the center for examination and approval; 4. The guarantee company handles the guarantee procedures and issues a guarantee commitment letter; 5. The borrower signs a loan contract with the bank with the letter of guarantee commitment; 6. The borrower shall go through the formalities of entrustment notarization; 7. The Center approves the issuance; 8. The entrusted bank issues loans. Legal basis: "Regulations on the Management of Housing Provident Fund" Article 3 The housing provident fund paid by individual employees and the housing provident fund paid by the unit for employees belong to individual employees. Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit. Seventeenth new employees began to pay the housing provident fund from the second month of work, and the monthly deposit amount was the employee's own salary multiplied by the employee's housing provident fund deposit ratio. The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio.
4. What is the maximum amount of Dongguan provident fund loan?
50,000 loans, the first set is up to 6.5438+0.2 million, and the second set is up to 800,000.