Maximum amount of Guiyang provident fund loan

First, the maximum amount of Guiyang provident fund loans

The maximum amount of housing provident fund loans in Guiyang is 500,000 yuan for single employees and 600,000 yuan for double employees who have paid provident fund in Guiyang administrative area.

I. Calculation formula of personal housing loan amount of Guiyang housing provident fund

202 1, 15 From April, the personal housing provident fund loan amount of Guiyang housing provident fund = monthly deposit base of loan employees (couples) × 12× repayment ability coefficient (30%)× deposit balance of loan employees (couples) ×5.

Two, Guiyang provident fund loan calculator

Click to enter: Guiyang Housing Provident Fund Loan Calculator.

Three, the implementation of the employee system (that is, do not use the new loan quota calculation formula)

(a) the purchase of new commercial housing has been signed before April 15 (inclusive) or the signing time in the Registration Form of Commercial Housing Sales Contract, and the personal housing loan is in the 5 housing provident fund;

(2) To purchase a stock house, a Stock House Sales Contract was signed before April 36 +05 (inclusive), and an individual housing loan for housing provident fund was applied before May 36 +05 (inclusive);

(3) 4 "public loans.

Iron house shall be implemented by reference.

Four, the original loan amount of Guiyang housing provident fund

1 degree = monthly salary base of the borrower's housing accumulation fund ×1February× 30% (repayment ability coefficient× 5 times of the borrower's deposit balance).

Where the borrower is paid into the family for a single employee, it shall be calculated as a single employee; Double employees paid into the family, calculated by both husband and wife.

2. Maximum amount: when the borrower deposits into the family for a single employee, it shall not exceed 600,000.

2. What is the maximum amount of Guiyang provident fund loan?

Guiyang housing provident fund loans can not increase the amount. The maximum loanable amount of provident fund loans should consult the staff of the local provident fund management center, and different cities have different requirements for provident fund loans.

First, the maximum amount of housing provident fund loans was adjusted from 450,000 yuan to 500,000 yuan.

Two, the first use of housing provident fund loans to buy ordinary self-occupied housing workers' families, the down payment ratio shall not be less than 20%, at the same time, you can apply for the withdrawal of personal housing provident fund balance to supplement the down payment.

Third, for the paid workers' families (including borrowers, spouses and minor children) who have applied for a housing provident fund loan once in the administrative area of Guiyang City and settled the corresponding housing loans, if they apply for a housing provident fund loan again to buy ordinary self-occupied housing in order to improve their living conditions, the interest rate will be implemented according to the benchmark interest rate of housing provident fund loans, with the down payment ratio of not less than 30% and the maximum loan amount of 500,000 yuan.

Workers' families are not allowed to apply for the third housing provident fund loan.

Four, the first use of housing provident fund loans to buy second-hand housing workers' families, Xing Tao construction area of less than 90 square meters (inclusive), the down payment ratio shall not be less than 25%, Xing Tao construction area of more than 90 square meters, the down payment ratio shall not be less than 40%; In order to improve the living conditions, the second application for housing provident fund loans to buy second-hand housing, the down payment ratio shall not be less than 40%.

5. The calculation formula of housing provident fund loan is: employee loan amount = monthly paid salary base of loan employee (couple) × 12× repayment ability coefficient (30%)× paid balance of loan year employee (couple) ×5 times. If the "employee (husband and wife) deposit balance" in the calculation formula is less than 1 ten thousand yuan, it shall be calculated as 1 ten thousand yuan.

Three, the maximum amount of Guiyang provident fund loans

The maximum amount of housing provident fund loans in Guiyang is: 500,000 yuan for single employees and 600,000 yuan for double employees who have paid housing provident fund in the administrative area of Guiyang (including along the railway). I. Calculation formula of personal housing loan amount of Guiyang housing provident fund Since April 20021,15, the calculation formula of personal housing of Guiyang housing provident fund has been adjusted to: loan amount of housing provident fund = monthly deposit base of loan employees (husband and wife) × 12× repayment ability coefficient (30%)× deposit balance of loan employees (husband and wife). 2. Click on Guiyang Provident Fund Loan Quota Calculator to enter: Guiyang Housing Provident Fund Loan Quota Calculator 3. In the following cases, employees can follow the original policy (that is, the new loan quota calculation formula is not used) (1). The house purchase contract was signed before April (inclusive) of 15 (subject to the signing time in the Registration Form of Commercial Housing Pre-sale Contract or Registration Form of Commercial Housing Sales Contract), May 3655. (2) To purchase a stock house, a Stock House Sales Contract was signed before April 36 +05 (inclusive), and an individual housing loan for housing provident fund was applied before May 36 +05 (inclusive); (3) Before April (inclusive) of 15, it has applied for a "business-to-business" loan. Railway workers purchase houses along the railway with reference to the implementation. 4. The original loan amount of Guiyang Housing Provident Fund is 1. Calculation formula: loan amount = monthly salary base of the borrower's housing accumulation fund ×1February× 30% (repayment ability coefficient) × payment period ×5 times the borrower's deposit balance. Where the borrower is paid into the family for a single employee, it shall be calculated as a single employee; Double employees paid into the family, calculated by both husband and wife. 2. Maximum amount: when the borrower deposits into the family for a single employee, it shall not exceed 500,000; No more than 600,000 dual-income families.

4. How much can Guiyang Provident Fund withdraw in a year at most?

The withdrawal amount of housing provident fund is a certain proportion. Generally, the monthly withdrawal amount cannot exceed half of the monthly deposit amount, that is, companies and individuals pay 2000 yuan of provident fund every month, and the monthly withdrawal amount cannot exceed 1000 yuan. Generally speaking, you can only apply for withdrawal twice a year. In case of resignation or retirement, you can withdraw all the balance of the provident fund account.