Provident fund deposit calculator?

The monthly deposit of housing provident fund is determined according to the total monthly deposit of units and individuals. Specific calculation formula: unit monthly deposit = deposit base × deposit proportion (rounded below RMB), individual monthly deposit = deposit base × deposit proportion (rounded below RMB), and total monthly deposit = unit monthly deposit × individual monthly deposit.

2. The deposit base is the average monthly salary of employees in the previous year.

The deposit base of housing provident fund is approved in full according to the wages payable by employees at the end of last year and adjusted once a year. In principle, the deposit base shall not exceed 3 times the average monthly salary of employees in the previous year announced by the statistical department of the city where the employees are located. The annual adjustment time is notified in advance by the center.

3. The deposit ratio of housing provident fund is 12% (that is, each unit and individual 12%), and the same unit implements the same deposit ratio.

Units that have real difficulties in depositing housing provident fund may reduce the proportion of deposit or postpone payment after discussion and approval by the workers' congress or trade union of the unit, and after examination by the municipal housing provident fund management center and approval by the housing provident fund management committee. After the economic benefits of the unit improve, the deposit ratio will be increased or the overdue payment will be postponed.

Second, the housing provident fund calculator

1, the monthly deposit of housing provident fund is determined according to the total monthly deposit of units and individuals. Specific calculation formula: unit monthly deposit = deposit base × deposit proportion (rounded below RMB), individual monthly deposit = deposit base × deposit proportion (rounded below RMB), and total monthly deposit = unit monthly deposit × individual monthly deposit. 2. The deposit base is the average monthly salary of employees in the previous year. The deposit base of housing provident fund is approved in full according to the wages payable by employees at the end of last year and adjusted once a year. In principle, the deposit base shall not exceed 3 times the average monthly salary of employees in the previous year announced by the statistical department of the city where the employees are located. The annual adjustment time is notified in advance by the center. 3. The deposit ratio of housing provident fund is 12% (that is, each unit and individual 12%), and the same unit implements the same deposit ratio. Units that have real difficulties in depositing housing provident fund may reduce the proportion of deposit or postpone payment after discussion and approval by the workers' congress or trade union of the unit, and after examination by the municipal housing provident fund management center and approval by the housing provident fund management committee. After the economic benefits of the unit improve, the deposit ratio will be increased or the overdue payment will be postponed.

Third, the provident fund calculator

Please open the following connection:/cmbwebpubinfo/cal _ loan _ per.aspx? Chnl=dkjsq trial monthly payment.

At present, the annual interest rate of provident fund loans for more than five years is 3.25%, and that for less than five years (inclusive) is 2.75%.

In some cities, China Merchants Bank provides provident fund loans. Please dial 95555 at 8:30- 18:00, select three personal customer service -3-3-8, and try to find out the information you need.

4. How much can I borrow from the ten thousand provident fund? Whether you can get the loan is still uncertain!

In the past two days, a friend talked about provident fund loans and said that his provident fund has 10,000 yuan. I wonder how much money I can get by applying for a mortgage? If the quota is enough, I plan to buy a house. In life, there are many examples of saving the balance of the provident fund before planning to buy a house. But in fact, not to mention the loan amount, it is uncertain whether you can get the loan. Let's see what is going on.

First, the maximum amount of provident fund loans that can be borrowed from the 10,000 provident fund is indeed related to the balance of the provident fund. In addition, it is also related to several factors such as repayment ability, the proportion of house prices and the maximum loan limit. Its value is the minimum value calculated by these four conditions. The following example illustrates: 1. The loanable amount of the provident fund is n times the balance of the provident fund, and the multiple n generally fluctuates between 10-20 times. When n=20 and the balance is 6,543.8+0,000 yuan, the loanable amount = 6,543.8+0,000.20 = 200,000 yuan. Different local policies have different floating ranges of N value. 2. The monthly repayment amount of the borrower shall not be higher than 50% of the monthly income (the monthly repayment amount includes the monthly repayment amount of the existing mortgage and existing liabilities). If the monthly income is 8,000 yuan, and there is no other debt, and the monthly repayment is 4,000 yuan, the loan term is 10 year, and the estimated loan amount is 4 10000 yuan. 3. The maximum amount of provident fund loans shall not be higher than the total house price minus the remaining house price. If the total house price is 6,543.8+0,000 yuan and the down payment is 30%, the loanable amount shall not be higher than 700,000 yuan. Many cities have stipulated the maximum amount of personal loans. For example, in Shanghai, the maximum loan for the first suite is 600,000, and the maximum loan for the second suite is 500,000. Based on the above four data, we can know that the maximum loan of 1 10,000 provident fund is 200,000 yuan. How much is the monthly mortgage repayment? Which is more suitable, equal principal and interest or average capital? Click to use the provident fund loan calculator. Second, the application conditions for provident fund loans. The balance of the provident fund is sufficient, which does not mean that you can borrow money to buy a house. Because applying for housing provident fund loans must also meet some basic conditions: 1, with full capacity for civil conduct; 2. Good personal credit; 3. Before the application, the continuous deposit of the provident fund shall not be less than 12 months; 4. Spouses applying for provident fund loans must first settle the loan principal and interest.