Nanjing provident fund loan amount how to calculate

A, Nanjing provident fund loan amount how to calculate

Legal analysis: provident fund loan amount is calculated as follows: the loan employee provident fund monthly contribution/contribution ratio × 0.45 (repayment ability coefficient) × 12 months × the actual number of years of loan (from the age of the legal retirement, not more than 30 years). The formula for calculating the amount of CPF loan is: monthly CPF contribution of the lending employee / contribution ratio x 0.45 (loan repayment capacity factor) x 12 months x actual loanable years (up to 30 years from the age of statutory retirement). Taking the loanable period of 15 years and the contribution ratio of 10% as an example, for an employee with a monthly salary of $3,000 who contributes $300 per month to the provident fund for both the individual and the organization respectively, the amount of provident fund that he can borrow is: 300/10% x 0.45 x 12 x 15 = $243,000 yuan. If the employee's monthly salary is RMB 4,000 and other conditions remain unchanged, his maximum loan amount is RMB 324,000. Since the maximum individual loan limit of RMB 300,000 for NJPF has been breached, he can only borrow up to RMB 300,000 yuan. Legal basis: "Housing Provident Fund Regulations" Article 1 in order to strengthen the management of housing provident fund, safeguard the legitimate rights and interests of owners of housing provident fund, promote the construction of housing in towns and cities, improve the living standards of urban residents, the formulation of these regulations. Article 2 These Regulations shall apply to the payment, withdrawal, use, management and supervision of housing provident funds within the territory of the People's Republic of China*** and the People's Republic of China. The housing fund referred to in these regulations, refers to the state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations (hereinafter collectively referred to as the unit) and their employees in the long term housing reserves. Article 3 The housing provident fund contributed by an individual employee and the housing provident fund contributed by the employee's unit for the employee belongs to the employee. Article 4 of the housing fund management implementation of housing fund management committee decision-making, housing fund management center operation, bank account storage, financial supervision principle.

Second, how is the loan amount of Nanjing's provident fund calculated? The maximum is 300,000 per person, to reach...

There is a provident fund loan calculator on the Nanjing Housing Provident Fund website

Use the point to log in with your ID card (you don't need a password) and you can calculate it

Three...

How is the amount of the Nanjing Provident Fund loan calculated?

Loan amount is determined according to the borrower's ability to repay the loan amount of the borrower's monthly housing provident fund contributions ÷ borrower's housing provident fund contribution ratio × individual repayment ability coefficient (at present, the individual repayment ability coefficient is .) ×x (month) x

"Borrower's monthly contribution to the Housing Provident Fund" refers to the personal portion. Borrowing ÷ borrower housing fund contribution ratio, in fact, refers to the individual monthly salary; personal loan repayment capacity coefficient means that a month to take how much proportion of the loan, 2014 is 0.45; example, so-and-so monthly personal contribution of 150, unit contribution of 150, the ratio is is 60-35 = 25, then the total amount of loans available up to: 150/=25w or so

four, The first thing you need to do is to get your hands on a new one, and then you'll be able to get a new one, and then you'll be able to get it.

After the signing of the agreement on entrusted month-to-month repayment of commercial loans takes effect (effective the following month), the amount of the housing provident fund account meets the following conditions, according to the order of the first borrower after the spouse of the contributing account one by one to judge the account that meets the conditions for entrusted withdrawals to be handled; the account that does not meet the conditions will not be handled until the account meets the conditions of the process.

1. The borrower and his/her spouse do not have any outstanding housing fund loans in Nanjing Center.

2. The borrower and his/her spouse's housing fund account must retain a balance of not less than 12 times the monthly contribution amount at the time of signing the agreement, and the housing subsidy account must retain a balance of not less than 1 times the monthly contribution amount at the time of signing the agreement.

3. If an employee purchases a third home or more, and he or she has withdrawn two or more housing funds for the purchase of a home, the third home or more will not be entrusted with the monthly repayment of the commercial loan; if his or her spouse has withdrawn two or more housing funds for the purchase of a home, the third home or more will not be entrusted with the monthly repayment of the commercial loan.