What is the general loan amount of Guangzhou provident fund?

1. What is the general loan amount of Guangzhou Provident Fund?

Recognized income: provident fund base ×4 times

Loan amount: base ≥5k, loan amount = base ×40 times.

Base ≥8k, loanable amount = base ×60 times.

Requirements: 1. Guangzhou provident fund has been paid continuously for more than 2 years.

2. No more than 2 months from the current payment date.

3. The payment base of the past year should be normal (if the base fluctuates more than 1.2 times, the lowest value will be taken).

4. Provident fund ≥8k, interest 0.6%, loan 60 times.

Second, the Guangzhou provident fund loan amount

Guangzhou provident fund loan amount is mainly based on the following provisions:

(1) The loanable amount of individual housing provident fund loans for employees to purchase ordinary self-occupied housing shall meet the following provisions:

1. Not higher than the personal housing provident fund loan amount.

The calculation formula is: account balance × August deposit × months from retirement age.

2. Not higher than the maximum amount of personal housing provident fund loans.

1 person applies for individual housing provident fund loan with a maximum amount of 600,000 yuan.

When two or more people apply for individual housing provident fund loans, the loan amount is the sum of the loan amount of each applicant, with a maximum of 6,543,800 yuan.

Second, provident fund loans.

Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans. From June 20 12 20 12, the upper limit of housing provident fund loans will be raised from 200,000 yuan to the loan conditions of the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and Song Yang provident fund, and loans from different places will be promoted to reduce intermediate costs, and personal housing loan insurance, notarization, new house evaluation and mandatory use of housing provident fund will be cancelled to reduce the burden on loan workers. Among them, employees who have paid for 6 months can pay for 6 months. 2065438+2007, the Ministry jointly issued a notice to cancel the provident fund loan to buy a second suite with a down payment of 20%.

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Three. Guangzhou provident fund loan amount

The maximum loan amount of Guangzhou Provident Fund is 800,000. Loan amount = (the sum of the borrower's monthly provident fund deposit amount/unit and individual deposit ratio; Monthly contribution of spouse's provident fund/sum of contribution ratio of unit and individual) ×35%× 12 months× loan period. Provident fund deposit account must be a normal deposit account.

1. Not higher than the loan amount calculated according to the individual housing provident fund deposit.

(1) The calculation formula of the company's payment for employees is: account balance × deposit amount in August × months from retirement age.

(2) The calculation formula of voluntary deposit employees is: average daily account balance × average deposit amount in August × months to retirement age, where: average daily account balance = sum of average daily account balance/deposit days. The average monthly deposit amount is determined according to the actual average monthly deposit amount remitted during the voluntary deposit period.

2. Not higher than the maximum amount of personal housing provident fund loans, 1 person applies for personal housing provident fund loans, and the maximum amount is 600,000 yuan.

Two or more people buy the same set of self-occupied housing and jointly apply for individual housing provident fund loans. The loan amount is the sum of each applicant's loan amount, with a maximum of 6,543,800 yuan.

3. Not higher than the total purchase price ×( 1- minimum down payment ratio). If the purchased house is a first-hand house, the total purchase price shall be subject to the contract price of online house sales; If the purchased house is a stock house (second-hand house), the total purchase price of the shared property house shall be subject to the total purchase price agreed in the house sales contract, and the total purchase price of other houses shall be subject to the lower of the house sales contract price and the house verification (evaluation) price.

4. The repayment amount of the monthly housing provident fund loan calculated according to the loan amount shall not exceed 50% of the applicant's family income. The income of paid employees is determined according to the following standards: if the deposit base of housing provident fund does not reach the upper limit of the deposit base at that time in this city, its personal income will be based on the deposit base; If the deposit base reaches the upper limit, the personal income shall be based on the higher value between the deposit base and the salary, and the salary shall be based on the amount registered by the paid employees in the provident fund center.

What is the housing accumulation fund:

Refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees. The proportion of employees and unit housing provident fund deposit is not less than 5% and not higher than 12%.

Legal basis:

Article 24 of the Regulations on the Management of Housing Provident Fund

In any of the following circumstances, the employee may withdraw the storage balance in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-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.

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4.202 1 what is the maximum deposit of Guangzhou provident fund?

Hello;

At present, the unified payment ratio in Guangzhou is 165438+ 0% of salary. Eligible units can apply to increase or decrease the payment ratio, and the maximum payment ratio is 65438+ 05% of salary.

Individuals and units pay separately, and the ratio is 1: 1, which means how many units you pay.

Provident funds are divided into basic account and supplementary accounts.

Payment base: basic salary MINUS the total amount of remitted provident fund (the provident fund is not taxed). Note that the basic salary here is the social security base, not the monthly income. Some people may earn more than 20 thousand because of different company accounts, but the base may be seven or eight thousand. Please ask the company for the specific base.

Basic account is a regular provident fund payment account, which pays 7% (compulsory proportion) of its own contribution base. This cannot be changed.

Supplementary account is not mandatory, and the payment ratio is 1-8%. Because the income of the provident fund is not taxed, the upper limit is stipulated by the state, and the payment ratio can only be adjusted once a year, usually in July.

The above ratio is applicable to the case that your basic salary does not exceed 16353 yuan (16353 yuan is 20 15 Shanghai's capped salary, and the salary will remain unchanged no matter how high it is). In this case, the corresponding provident fund base is 15 14 yuan. Beyond this amount, the base of the provident fund can no longer rise.

Now back to the most problematic, the upper limit of provident fund deposit, including your own deposit and company deposit.

The salary is less than 65,438+06,353, the payment base without supplementary provident fund is 7%2, and the payment base with supplementary provident fund (7%8% (this ratio is determined by the company)) 2.

When the salary exceeds 16353, the base of the provident fund remains unchanged. The monthly maximum in basic account is10592 = 2118, and the monthly maximum in supplementary accounts is 12092 = 24 18, totaling 4,536 yuan.