http://finance.chinanews.com/house/2013/08-23/5200013.shtml
Shandong commercial newspaper reporter
recently, Ji'nan provident fund management center announced the housing accumulation fund in July. In July 2013, Ji'nan housing provident fund completed the collection of 1 billion 59 million 754 thousand yuan, 2859 households for housing provident fund housing provident fund purchase loan 792 million 127 thousand yuan, around 611 million 343 thousand yuan in June, increased by 180 million 784 thousand yuan, an increase of close to 30%. before July, provident fund rose
from the whole 1-7 months, in the first 7 months, the city of Ji'nan had a total of 14075 employees for the fund loan, and the accumulated loans were 3 billion 897 million 496 thousand yuan. The first four months, Ji'nan provident fund loan amount is low, not more than 2000 monthly management, monthly loan amount is not more than 600 million yuan, May began to rise obviously, reached 2188 households, the loan amount reached 607 million 575 thousand yuan, July reached the peak, for 2859 employees to grant loans, the loan amount soared to 792 million 127 thousand yuan. This is also a good start for the development of housing provident fund in the second half of the year, and the performance of the provident fund in the second half of the year is worth looking forward to.
from the trend of the loan amount, the first 7 months, Ji'nan provident fund distribution showed an upward trend, and in March and July, higher growth momentum, which ended with the Spring Festival in March, the accumulation of a certain amount of loan demand and May Ji'nan new commodity housing transaction is inseparable from the relationship, February for the Spring Festival Holiday, a lot of workers ready for holiday rest, and the loan needs to transfer to March; in May, buyers and developers to get rid of the new "Five" caused by the short watch period, the property market transaction is red.
the highest payment of 1869.6 yuan
in 2013, according to the Ji'nan housing provident fund management center issued the notice on determining the highest (minimum) pay base of the 2013 annual housing provident fund (minimum), and the maximum wage base of the monthly housing provident fund in the administrative region of Ji'nan in 2013 is 15580 yuan. The monthly wages of workers exceed the above limit, the maximum of 15580 yuan for the housing accumulation fund monthly pay base; monthly wages of not more than 15580 yuan, the actual wages of the housing provident fund monthly pay base. According to the regulations that the maximum deposit ratio of workers and units does not exceed 12%, the maximum monthly payment for employees in 2013 is 1869.6 yuan, with a unit of 1869.6 yuan. In
2013, the minimum wage paid per month for employees in the Ji'nan administrative region is 1220 yuan. The monthly salary of workers is lower than that of the limit. The minimum wage is 1220 yuan for the monthly payment base of the housing provident fund; the monthly salary is not less than 1220 yuan, and the monthly salary base of the housing provident fund is calculated by the actual wage. According to the stipulate that the minimum deposit ratio of workers and units is not less than 5%, the minimum monthly payment for employees in 2013 is 61 yuan, with a unit of 61 yuan. The execution time is to March 31, 2014.
15 times
the maximum loanable account balance, according to the regulations on the management of Ji'nan housing provident fund, the amount of the individual housing provident fund loan is determined according to the amount of the borrower's application and the limit standard. In the case of housing provident fund loans, the loan amount should not be higher than the loan amount calculated by the borrower and the common repayment person's personal housing accumulation fund account balance; the loan amount of the housing provident fund is 15 times the balance of the housing accumulation fund of the borrower and the common repayment person.
two and above workers and employees who have deposited their housing provident fund may combine to calculate the amount of their loans, but not exceed the maximum prescribed limits; the amount of the workers' families who have deposited the housing provident fund is not more than 50% of the maximum prescribed limit. When the borrower applies for the housing provident fund loan, I and the common repayment person still have the balance of the commercial loan. The balance of the original commercial loan and the amount of the commercial loan in the combined loan for this application should be combined with the housing provident fund loan amount of this application to calculate the loan repayment ability of the loan.
the duration of the housing provident fund loan is not more than 30 years. The loan term plus borrower, the common repayment person (except the spouse), the guarantor's age shall not exceed 65 years old and the woman is 60 years old. If the borrower applies for a loan period exceeding the specified age limit for less than 12 months, it will be calculated on a year-round basis. Stock room (second-hand housing) age and loan period and the sum of not more than 50 years.
the term of the loan is within one year (including one year), and the one - time repayment of interest and interest law is adopted. The loan period of more than one year is equal to the equivalent principal and interest repayment law or the equivalent principal payment method. 銆�