0.80 million yuan
The maximum loan amount for individual employees to pay housing provident fund is 500,000 yuan; The maximum loan amount for both husband and wife to deposit housing provident fund is ...
The initial loan amount of Dongguan housing provident fund loan is 50,000 yuan.
If the spouse fails to repay the loan for 6 months, but the deposit is normal or not, the loanable amount shall not be calculated.
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.
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.
What is the loan amount of Dongguan housing provident fund?
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.
Dongguan provident fund loan amount
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.
So much for the introduction of the loan amount of Dongguan housing provident fund.