Guiyang city provident fund loan maximum amount

I. Guiyang City Provident Fund Loan Maximum Amount

Guiyang City Housing Provident Fund Loan Maximum Amount is 500,000 yuan for single-employee contributing families and 600,000 yuan for two-employee contributing families in Guiyang City Administrative District Provident Fund.

I, Guiyang housing provident fund individual housing loan amount calculation formula

Since April 15, 2021, Guiyang housing provident fund individual housing calculation provident fund loan amount = loan employee (husband and wife) monthly contribution base × 12 × repayment capacity coefficient (30%) × loan years loan employee (husband and wife) contribution balance × 5.

II, Guiyang CPF loan amount calculator

Click to enter: Guiyang City Housing Provident Fund Loan Amount Calculator

Three, the implementation of the employee (i.e., do not use the new loan amount formula)

(a) the purchase of new construction of commercial housing, has been signed on April 15 (including) before the signing of the contract of purchase of a home note form or commodity housing contract of current sale of the filing of registration form of the signing of the contract time shall prevail), and in the 5 housing Provident Fund personal housing loans;

(ii) the purchase of stock housing, has been signed on April 15 (inclusive) before the "contract of sale and purchase of stock housing", and in May 31 (inclusive) before applying for housing provident fund personal housing loans;

(iii) 4 to the public "loan.

The iron house with reference to the implementation.

Four, Guiyang City Housing Provident Fund original loan amount

1 degree = borrower housing provident fund monthly salary base × 12 months × 30% (repayment capacity factor people's balance of deposits × 5 times.

Here the borrower is a single-employee contributing family, according to a single person; dual-employee contributing family, according to both husband and wife **** the same calculation.

2. Maximum amount: when the borrower is a single-employee family, the amount shall not exceed 600,000 yuan.

Two, Guiyang City, the maximum amount of provident fund loans

Guiyang City, housing provident fund loans can not increase the amount of. The maximum amount of money that can be borrowed for an EPF loan should be specifically consulted with the staff of the local EPF management center, and the requirements for EPF loans in different cities are also different.

I. The maximum amount of housing provident fund loan has been adjusted from 450,000 yuan to 500,000 yuan.

Two, the first time the use of housing provident fund loans to buy ordinary housing for self-occupation of the employee's family, the down payment ratio shall not be less than 20%, while you can apply for the withdrawal of the balance of the individual housing provident fund for additional down payment.

Third, in Guiyang City, the administrative area of the city has been a housing fund loans and has settled the corresponding purchase loan of the deposited employee family (including the borrower, spouse and minor children), in order to improve living conditions for the second time to apply for a housing fund loan to buy ordinary housing, the interest rate in accordance with the implementation of the benchmark interest rate of the housing fund loan, the down payment shall not be less than 30%, the maximum amount of the loan is 500,000 yuan.

The family of the contributing employee shall not apply for a third housing fund loan.

Fourth, the first time the use of housing fund loans to buy second-hand housing employee families, set the construction area of 90 square meters or less (inclusive), the down payment ratio shall not be less than 25%, set the construction area of 90 square meters or more, the down payment ratio shall not be less than 40%; in order to improve the living conditions for the second time to apply for housing fund loans for the purchase of second-hand housing, the down payment ratio shall not be less than 40%.

Fifth, the housing fund loan calculation formula: the employee can loan amount = loan employee (husband and wife) monthly salary base × 12 × repayment ability coefficient (30%) × loan years employee (husband and wife) deposit balance × 5 times. In the formula, "the balance of the employee's (husband and wife's) contributions" is less than 10,000 yuan, according to the calculation of 10,000 yuan.

Three, Guiyang City, the maximum amount of provident fund loans

Guiyang City, the maximum amount of housing provident fund loans for single-employee contributors in Guiyang City administrative area (including the railroad line) of housing provident fund 500,000 yuan, dual-employee contributors family 600,000 yuan. First, Guiyang housing provident fund individual housing loan amount calculation formula since April 15, 2021, Guiyang housing provident fund individual housing calculation formula is adjusted to: housing provident fund loan amount = loan employee (husband and wife) monthly contribution base × 12 × repayment ability coefficient (30%) × loan years loan employee (husband and wife) contribution balance × 5. Second, Guiyang provident fund loan amount calculator click to enter:. Guiyang City Housing Provident Fund Loan Amount Calculator Third, the employee worker belongs to the following circumstances, can be implemented in accordance with the original policy (i.e., do not use the new loan amount calculation formula) (a) the purchase of new commercial housing, has been signed on April 15 (inclusive) before the contract for the purchase of a home (to the commodity housing pre-sale contract filing registration form or commodity housing contract filing registration form of the contract for the record of the contract for the record of the contract shall prevail), and May 31 (inclusive) before the application of the housing Provident Fund personal housing loans; (b) the purchase of stock housing, has signed on April 15 (inclusive) before the "stock housing contract for sale", and in May 31 (inclusive) before applying for housing provident fund personal housing loans; (c) April 15 (inclusive) before applying for "business to public" loans. Railroad workers to buy housing along the railroad with reference to the implementation. Fourth, Guiyang City Housing Provident Fund original loan amount 1. Calculation formula: loan amount = the borrower's housing fund monthly salary base × 12 months × 30% (repayment ability coefficient) × years of payment borrower's deposit balance × 5 times. Here the borrower is a single-employee contributing family, according to a single person; dual-employee contributing family, according to the husband and wife **** the same calculation.2. Maximum amount: the borrower is a single-employee contributing family, shall not exceed 500,000; dual-employee contributing family shall not exceed 600,000 yuan.

Four, Guiyang provident fund can withdraw up to how much a year?

The amount of housing provident fund withdrawals is a certain percentage, generally the amount of money withdrawn each month can not be more than half of the amount of money deposited each month, that is to say, if each month the company and individual **** to pay 2,000 yuan of provident fund, then the amount that can be withdrawn that month can not be more than 1,000 yuan. Generally speaking, you can only apply to withdraw twice a year, and if there is a case of leaving or retiring, you can withdraw the entire balance of the provident fund account.