Leave enough balance!Harbin provident fund loan quota has been improved.

From July 1st, the upper limit of the single and double loan quota of HDM Housing Provident Fund increased. The Harbin Housing Provident Fund Management Center reminds employees that despite the increase in the amount of provident fund loans, because employees buy a house through the provident fund loan, they must calculate based on multiple factors such as the employee's deposit balance, age, and whether they are the first set. "Fine accounts".

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Calculating the approval of the provident fund loan is calculated at 20 times the account balance

The reporter learned from the Harbin Housing Provident Fund Management Center that the current loan amount of Harbin Provident Fund is 10,000 yuan, and it is determined at an integer multiple of 5,000 yuan. (If the borrowing applicant and the spouse meet the conditions for the application for provident fund, the loan amount can be combined and calculated). At the same time, the loan quota for the purchase of the first house does not exceed 80%of the value of the house; the loan amount for the purchase of two houses does not exceed 70%of the house value (the value of second -hand housing houses is calculated at low value in the transaction price and evaluation price).

The Housing Provident Fund Management Center specially reminds the loan employees that the approval amount of the Harbin Provident Fund loan is calculated at 20 times the normal deposit balance of the provident fund account (including the common applicant) of the borrowing applicant (including the common applicant), and the number of account balances is less than 5,000 yuan with a starting point of 5,000 yuan. , Calculated at 5,000 yuan. "Therefore, the employees who are ready to withdraw the provident fund have paid attention, leave enough balance, don't care carefully, which will affect the loan amount."

The longest of the provident fund loan is not more than 30 years

The Housing Provident Fund Management Center also reminds loan employees to calculate the loan amount based on the employee's loan repayment capacity when loan.

That is, the loan amount = monthly payment salary base (borrower + spouse) × loan repayment capacity coefficient (0.4) × 12 (month) × loan period. Among them: "Monthly deposit salary base" is the monthly deposit / deposit ratio (can be found in individual deposit details); the "loan repayment ability coefficient" is 40%; the "loan period" is Mainly loan person); the day of applying for a loan to the legal retirement age (male 60 years old, female 55 years old), the longest does not exceed 30 years. Among them, female cadres at the positive, deputy county level and corresponding positions of party and government agencies, people's organizations, and female cadres who are equivalent to positive and deputy levels in the public institutions and administrative management work Female professional and technical personnel of the Deputy Senior), the legal retirement age is calculated at the age of 60.

In addition, those who meet the conditions of the first housing provident fund loan, the loan period of borrowing applicants (including common applicants) can be postponed to 5 years after the legal retirement age, and the longest does not exceed 30 years. The actual provident fund loan amount of employee families (including borrowing applicants and their spouses) needs to deduct the arrears of unreasonable commercial loans, guarantee loans and loan cards exceeding 5,000 yuan. Calculate the loan amount and calculate the loan amount based on the normal deposit balance of the provident fund and calculate the loan amount based on the loan repayment capacity, and take the low value as the final loan amount.

Taking Ms. Li, who has a senior titles at 45 years old, as an example, if there is no spouse, the monthly payment amount of the provident fund is 1,000 yuan, the deposit ratio is 20%, the account balance is 32,000 yuan, and the provident fund loan is used for the first time. Essence According to relevant regulations: the retirement age of senior professional titles can be extended to 60 years. Due to the use of provident fund loans for the first time, the borrower's loan period can be added for 5 years, and the maximum loan period is 20 years. Calculate the loan quota based on the loan repayment capacity: 1,000 yuan (monthly deposit amount)/20%(payment ratio)*0.4 (repayment ability coefficient)*12 (month)*20 (year) = 480,000 yuan; according to its account Balance calculation loan amount: 32,000 yuan (account balance)*20 (times) = 640,000 yuan. The two calculations are low -value. Ms. Li's maximum loan period is 20 years and the highest loan amount is 480,000 yuan.

Source: Bingcheng+Client

Reporter Liu Shubo

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