At present, the notice of provident fund policy, starting from 20 15 1 1, adjusts the personal loan amount of employees from "determined according to the monthly deposit amount of housing provident fund" to "calculated according to the multiple of the monthly balance of housing provident fund account 15".
The calculation formula is: the personal loan amount of employees = the average monthly balance of employees' housing provident fund accounts × 15 times, in which: employees' housing is the average monthly balance of employees' housing provident fund accounts in the past 12 months (including the month of application) (excluding the one-time deposit within 12 months), and the employees who are less than 12 months.
2. How much can I borrow from the balance of Suzhou Provident Fund of 20,000 yuan?
The 20,000 provident fund can be borrowed from 200,000 to 400,000. Usually, the loan amount of the provident fund is 10 times of the provident fund, and the maximum is not more than 20 times. However, in some areas, the maximum loan amount for individuals applying for provident fund loans is 400,000, and the maximum loan amount for couples applying for provident fund loans is 600,000.
In addition, the loan amount of provident fund is also related to the repayment ability of the applicant, the proportion of provident fund loans to house prices, the loan amount of provident fund and other factors. The specific requirements are subject to the audit of the local provident fund center.
I have 26,000 yuan in my housing accumulation fund account. How much can I borrow? I am in Changshu, Suzhou
Hehe, your hands and feet are too fast. If your rural hukou is adopted immediately, just take your provident fund card, household registration book and ID card to the provident fund management center to get it.
4. How much is the housing provident fund 2 universal loan?
1.20,000 can I borrow 400,000 from the balance of the provident fund? Generally speaking, it is ok. When applying for a loan with my housing provident fund, the maximum loan can be 400,000, and the maximum limit for both husband and wife is 600,000. If the supplementary housing provident fund is paid normally, that is, the balance is greater than 12500 yuan and the monthly payment is greater than that of 780 yuan, then the maximum loan amount of my loan is 500,000 yuan, and that of both husband and wife is 700,000 yuan. However, the specific loan amount needs to be comprehensively considered according to my repayment ability, local policies and other factors. Second, what are the benefits of buying a house with provident fund? 1, the loan interest rate is lower than the commercial loan interest rate. At present, the benchmark interest rate for provident fund loans for five years or more is 3.25%, and the interest rate for commercial loans is 4.9%. With the same amount of loans, provident fund loans will save a lot of money than using commercial loans. 2. The amount of provident fund loans is high. At present, if you use commercial loans, you can usually only borrow 70% at most, but if you use provident fund loans, the loan ratio can be increased to 80%. The down payment pressure will also be reduced accordingly. 3. There is no penalty for early withdrawal of provident fund. For commercial loans, there is a penalty for prepayment. And provident fund loans, there is no such problem, provident fund loans, loans for one year, you can apply for early repayment, and there is no penalty interest. 3. What is the use of the housing provident fund? 1, used to buy a house. If you want to borrow money to buy a house, you can apply for a provident fund loan. The low interest rate of provident fund loans can save a lot of loan interest for loan users. If you don't apply for a loan, you can withdraw the provident fund at one time to pay the down payment for the house; Users who have applied for commercial loans to purchase houses can withdraw the provident fund to repay the loan principal and interest on a monthly basis; 2, due to the construction, renovation or overhaul of the house. When the depositor of the provident fund needs to build his own house or renovate or overhaul his own house, he can apply for a one-time withdrawal of the housing provident fund, because he built, renovated or overhauled his own house at his own expense; 3. for renting a house. Some urban provident funds can also be used for renting houses. If the monthly rental expenditure exceeds a certain proportion of the family income of the depositor of the provident fund, then the provident fund can be withdrawn monthly to pay the housing rent; 4, used to treat major diseases. If the family members of the provident fund payer are unfortunately suffering from serious diseases, they can apply for withdrawing the provident fund to pay medical expenses and reduce the family burden; 5. The payer of the provident fund retires; Retire; Those who go abroad to settle down may apply for a one-time withdrawal of the provident fund. For retirees, one-time withdrawal of provident fund is a considerable pension.