How much can Huizhou provident fund borrow by paying 500 yuan a month?

1. How much can I borrow from Huizhou Provident Fund to pay 500 yuan every month?

Monthly contributions to 500 yuan and above can be up to 300,000 yuan, 400,000 yuan with supplementary provident fund, and 800,000 yuan with a spouse who pays the provident fund.

1. The specified proportion (50%) of the borrower's salary base for calculating the monthly contribution of housing provident fund is 12 months of loan life; Term of the loan: for the purchase of a first-hand house, the longest term shall not exceed 30 years; The longest time to buy a second-hand house is 15 years, and the longest time is 5 years after the borrower retires legally.

2. The interest rate adjustment of provident fund loans shall be implemented in May 1 1, 2065438. The interest rate of provident fund loans for more than five years is 3.75%, the monthly interest rate is 3.75%/ 12, and the annual interest rate of provident fund loans for five years and less is 3.25%, which is consistent throughout the country.

2. How much can I borrow from 500 yuan's provident fund every month?

If you apply for provident fund loans through China Merchants Bank, due to the different policies and specific regulations (such as application conditions, audit standards, real estate requirements, amount, duration, etc.), please contact the local provident fund loan acceptance outlets directly for confirmation. ).

Three, the provident fund loan amount is 500 yuan per month.

Dear, hello, according to your question, I will provide you with the following answers for reference only: Individuals can get a loan of 480,000 yuan by paying 500 yuan provident fund every month. The monthly deposit of provident fund is related to the loan amount, but it is not inevitable. What really determines the loanable amount is the balance of the provident fund account. According to the existing policy, the amount of provident fund loans is 10- 20 times the balance in the account (the highest multiple in individual cities is 25 times). Generally speaking, the personal provident fund loan amount is 20 times of the balance of 10- provident fund account. The calculation of specific provident fund loan amount should be determined according to four conditions: repayment ability, the proportion of provident fund loans to house prices, the balance of housing provident fund account and the maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of borrowers.

4. How much is the monthly salary in Huizhou, Guangdong Province to make life passable?

I come from Huizhou. Huizhou is a city that has just been upgraded from the third line to the second line, and the price waste is moderate. Of course, workers take friends around them as examples, with more than five or six thousand men and more than two or three thousand women. I don't know. My family earns eight or nine thousand yuan a month. I think every year in compulsory education, except kindergarten, children basically don't have to spend money to study, and the rent for renting a house for a family will not be very expensive, and the days will definitely pass. Take friends as an example. Friend h is more difficult in the family. There are four children at home, and now there are more than three. My mother takes care of the children at home full time. Only my father is working in the whole family, earning five or six thousand yuan a month. Life is harder and the quality is lower. You can only buy a little meat a day, and sometimes you eat your own food without buying meat. This kind of life is even sadder. Life is a decent friend. Generally, there are only two sets of self-built houses at home, so don't worry about the house. Therefore, life is better, and the monthly income is more than 10,000 to 20,000. With a house and a car, life is still very chic, and this income can be made good use of. I think it has something to do with total income, local price level (especially house price) and self-consumption. Huizhou is a second-tier city in China, with Guangdong Province ranking fifth in economy and Shenzhen, Guangzhou, Foshan and Dongguan 80 billion, but Huizhou has a vast territory! Unbalanced, it can only be barely counted as a city in the Pearl River Delta. What about the per capita income level? Huizhou's per capita income is more than 30,000, and the income of urban residents is close to 50,000/year. This level basically reaches the average income of Guangdong Province, so in Huizhou, as long as the annual income is above 50,000, it will be qualified and reach the per capita level. Generally speaking, food, clothing, housing and transportation are all fine. Children with a total income of 654.38+10,000 yuan spend 20,000 yuan, pay 30,000 yuan for housing, 40,000 yuan for food and clothing, and the rest is 1 10,000 yuan for entertainment, which is quite tense. This premise is to buy a house before 20 15, and within 6000 yuan. Now, the average price has reached 1 ten thousand. Well, if you haven't bought a house yet, you have to live a decent life, with an annual income of at least 80 thousand, and the total income of husband and wife160 thousand. At least you can visit Caesar, China Trade and Hong Kong Exchange. In terms of food and clothing, Huizhou is not expensive, mainly because houses, houses and houses decide everything. With a house, you can say anything. In addition, children's consumption is high, and all kinds of cram schools in kindergartens cost a lot of money. Of course, it is also important to follow personal consumption habits. No waste, no luxury, always a good thing. Huizhou is also a very livable city. The city is not big, not too noisy and the pace of life is not fast. How much is the monthly salary in Huizhou, Guangdong Province to live a decent life? This can't be generalized. A monthly salary of 10 thousand won't do, and a monthly salary of 3 thousand will do. Mainly related to personal consumption expenditure. See if an individual has a fixed mortgage, car loan and other large expenditures. Then the rest is life and daily expenses, which also varies from person to person. I. Living expenses Yesterday's (201910/0/0 14) spareribs have been sold to 37 yuan, pork belly 34 yuan and beef 50 yuan. Any five garlic seedlings are five dollars. It is very important for a family of three to save 50 yuan a day, which is 1500 in a month. It is another matter for a bachelor to live in a dormitory and eat in a canteen. Unless there are self-built houses in towns or rural areas, I believe that the vast majority of Huizhou's 4.8 million people do not. So you have to rent a house or spend money on it. So there are property fees, TV network fees and parking fees, with an average of 400/ month. In addition, there are such things: rice, oil, salt, sauce, vinegar, tea =300/ month, soda, electricity =200/ month, shopping =300/ month, oil = 800km/ month, and 0.5/km = the common expenditure above 400 yuan, and everyone will have it. Basically, according to the minimum standard, a family of three can get about 3 100 yuan in January. Of course, if you don't have a car, you can deduct the parking fee and gas fee, but you can also get a bus card for three people (around 300 yuan). Second, mortgage According to the sales data of Huizhou Municipal Bureau of Statistics, the average house price in the city has risen from 5984 yuan to 10692 yuan in the last five years. Specific to the average price of each district (20 18): Huicheng District: 10778 yuan, Huiyang District: 12645 yuan, Daya Bay District: 12904 yuan, and Zhong Kai District: 8886 yuan. Take a house with an average price of 8000 yuan and a total price of 80000 yuan as an example. The provident fund is combined with commercial loans. If you have a full provident fund loan of 500,000 yuan (both husband and wife need to be registered in Huizhou and have paid the provident fund, otherwise one person can only borrow 300,000 yuan at most), you will have to pay back about 3,200 yuan a month. Third, the car loan can be deducted as appropriate, otherwise a grocery cart will pay more than 1600 per month. Comprehensive living expenses: 3 100 mortgage: 3,200 car loan:1600 = 7,900 yuan. A standard family of three has a house and a car, and the minimum living standard needs to spend 7900 yuan per month. This does not include hospitality and temporary expenses. The average family always has hundreds of temporary expenses every month. In other words, the family's monthly income needs to be around 8-9,000 yuan, and more than 4,500 yuan needs to be allocated to individuals after tax. Pre-tax salary should be 4500/(1-22.3%) = 5791yuan, calculated at 22.3% of Huizhou Four Gold Payment Standard. It just needs more than 5800 per month. Of course, everyone's quality of life and state are different. A bachelor living in a dormitory has no room or car. According to the minimum wage in Huizhou, a maximum of 500 rent can be added. It depends on whether the mortgage has been paid and whether there is a baby. If you pay off the mortgage and have a baby, it is estimated that one month10.5 million, and your life will turn around. Because the monthly mortgage and the baby's expenses add up to almost eight or nine thousand. The remaining money can only maintain normal living expenses. However, the overall salary in Huizhou is very low. There are not many units with a monthly salary of over 10,000. So living in Huizhou is still quite hard. Although Huizhou is a beautiful city, there are 5A scenic spots in the urban area, such as West Lake and Honghua Lake, all of which are free. There are many other parks and scenic spots, large and small, and people's lives are quite leisurely. But I always feel that the cost of living in this new second-tier city is not much lower than that in first-tier cities. Living in Huizhou, this will vary from person to person, depending on the situation. If you are single, you can live with a monthly salary of 5,000 to 6,000. The premise is that there is no car loan and no mortgage. If you are married and have one or two children, you are the pillar of the family. Earning 5000 yuan a month will make life difficult, such as family expenses and child support. After salary tax 12K wife after tax 7K has mortgage, parking space loan, decoration loan and no car loan. Life is still tight. It's hard! Is it okay? Do you want to eat and drink enough or have a car and a building? I can only say here that the wages of ordinary workers in Huizhou are generally 3-5k, and they can't get by themselves. It's hard to say how to spend money with more money and how to live with less money. Not hungry or cold anyway. It is strange that some people live in cities, and the couple have no jobs and no financial resources. They usually play mahjong and are lazy to play mahjong, but they still live a natural and unrestrained life. I don't know what's going on. If your income is high, you will be poor at the end of the month if you gamble and fight for generals. If you have a low income, save money and make a surplus every month, the key is to see if you keep your money or lose it. What kind of life do you live? I can't spend more than 2000 a month, not alone. Two or three people live a special life of 2000 yuan, with no extra expenses. The standard of living is not bad. Chicken, duck, fish, eggs can eat anything, and there is nothing lacking. If you want to be a master, you can't live a transcendental life. You must live within your means, and you can't overdraw or take part-time jobs. You can't live without ten thousand dollars a month.