Legal analysis: the initial loan amount of Dongguan housing provident fund loan is 50,000 yuan. Individual workers pay housing provident fund, the maximum loan amount is 500 thousand yuan; If both husband and wife pay housing provident fund, the maximum loan amount is 800,000 yuan.
If the husband and wife have paid the normal fees for 6 months, the loanable amount of the borrower and spouse shall be calculated respectively, and the final loanable amount of the family = the loanable amount of the borrower and the loanable amount of the spouse shall not exceed 800,000 yuan; If the spouse has not paid for 6 months, but the deposit is normal or not, the loanable amount will not be calculated, and the final loanable amount of the family will not exceed 500,000; 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. Paid employees from foreign countries, Hong Kong, Macao and Taiwan cannot participate in the calculation of loanable amount in the name of spouse. If they pay fees normally, their deposit base can be included in the calculation of the supply-income ratio of family income.
Employee personal provident fund loan amount Y= personal provident fund account balance 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 the capital needs of employees. Official website, our center, announces the personal loan interest rate of housing provident fund to the public on a monthly basis (the month after the end of each month). When the liquidity of funds changes and the proportion of individual loans 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 month following the announcement date. The liquidity adjustment coefficient applicable 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 measures for the management 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 10 The cities where the people's governments of municipalities directly under the central government, provinces and autonomous regions are located and other cities divided into districts (prefectures and leagues) shall set up housing provident fund management centers in accordance with the principle of simplification and efficiency, and be responsible for the management and operation of housing provident fund. 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 Municipal People's Government, which is not for profit.
How much can Dongguan housing provident fund generally borrow?
Apply for individual housing provident fund loans in Dongguan City, Guangdong Province, and the amount of individual housing provident fund loans shall be implemented in accordance with the relevant provisions of individual housing provident fund loans.
In portfolio loans, the amount of commercial personal housing loans shall not exceed the difference between the house price and the sum of down payment and personal provident fund loans. The total loan amount of the first housing portfolio loan shall not exceed 70% of the purchased housing value (the lower of the transaction price of first-hand housing and the evaluation price and transaction price of second-hand housing); If a second house is purchased with a loan, the total amount of the loan shall not exceed 40% of the value of the house purchased (the lower of the transaction price of the first-hand house and the evaluation price and transaction price of the second-hand house). Where there are stricter provisions in relevant laws, regulations, regulatory provisions and local housing loan policies, those provisions shall prevail; Suspension of the third and above commercial housing loans. The specific amount of the commercial part of a single portfolio loan shall be determined one by one according to the borrower's repayment ability and credit history.
Please consult the provident fund loan business outlets or the local provident fund management center for details.
The above contents are for your reference. Please refer to the actual business regulations.
What is the loan amount of Dongguan provident fund?
Legal analysis: the maximum loan amount does not exceed 600,000 yuan. Loan amount: monthly deposit amount of housing provident fund × 12× future balance of individual account of housing provident fund )× 2 If the loan amount is less than 300,000 yuan, the maximum loan amount of housing provident fund shall be approved at 300,000 yuan on the premise of sufficient repayment ability of individuals. The loan amount of housing provident fund is generally determined by the applicant's (and his spouse's) housing provident fund deposit amount, deposit ratio, deposit time, purchase amount, loan term, repayment ability and other factors, 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 80% of the total housing price. Calculate the monthly income of oneself and * * * the same applicant: monthly income, monthly contribution of individual housing provident fund, and 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 retired employees and their children and other applicants, the same below), the remaining amount after deducting the monthly living expenses of at least 400 yuan, and then dividing it by the monthly repayment amount of each 10,000 yuan loan during 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 is under any of the following circumstances: (1) purchasing, building, renovating or overhauling self-occupied housing; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase 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 legatees may 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 shall be included in the value-added income of the housing provident fund.