Target: 800,000 Provident Fund loan

Editing and finishing of weekly financial management recently, Beijing, Shanghai, Guangzhou and other countries have to the Housing Provident Fund loans to the maximum limit of 800,000 yuan, Beijing even stipulated that the borrower received 3 a credit, can also be adjusted up 30% to 1.04 million, but the borrower can lend to this amount, but also depending on the individual situation. Generally speaking, the Municipal Provident Fund is based on the borrower's personal monthly payment amount to calculate, the state-managed Provident Fund is based on the borrower's individual or husband and wife income certificate to verify. The specific calculation formula is: Municipal Provident Fund Municipal Provident Fund the maximum amount of loans is the formula: the borrower's family monthly income (monthly income = Staff Personal Housing Provident Fund monthly payment of staff Housing Provident Fund Ratio), at least 400 yuan per month after the remaining balance of living expenses,　　The maximum loan amount is the amount of the monthly repayment of each million-dollar loan for the loan period.　　According to the regulations, the Dolce Maximum loan housing Provident Fund 600,000 yuan.　　National Provident Fund National Provident Fund the maximum amount of loan can be calculated in the same way as the Municipal Provident Fund, National Provident Fund to see the borrower's income certificate, to the family as a unit, as long as the two husband and wife income certificate can reach the monthly amount of more than twice times that can apply for Provident Fund loan maximum limit of 800,000 yuan.　　Then, Dolce can apply for the maximum amount of 800,000 yuan after the marriage. Tips According to the Housing Provident Fund Management Center stipulates that the Housing Provident Fund loan period is generally 1-30 years, the loan applicant's maximum loans can be calculated to the borrower 70 years of age.　　In addition, as long as the Provident Fund loan applicants purchase Housing "age + loan years of 47", can apply for Provident Fund loans.　　At present, the Provident Fund interest rate of five years to implement a new rate of 3.87%, five years to implement the new rate of 3.33%.　　The loan amount of the Housing Provident Fund is as follows: The housing area is over 90 square meters, the maximum loan amount is 70%, the housing area is 90 square meters, the maximum loan amount is 80%. TIPS Housing Provident Fund Joint Card Housing Provident Fund Joint Card is a card, it in addition to the general card functions, but also to query Housing Provident Fund account information, the withdrawal of Housing Provident Fund into joint card savings account and other Housing Provident Fund service functions.　　Each joint card is equipped with a Housing Provident fund account to print the information of the House Provident Fund.　　Cost Concessions: Joint card free annual fee and small account management fee.　　In other words, the Housing Provident Fund Card allows you to query the account more convenient, at the same time, if you withdraw the approval of the Provident Fund, you can relate to this card to handle the caries that is, Housing Provident Fund card function + deposit and withdrawal consumption. At present, the Bank of Communications and the Beijing Housing Provident Fund Management Center announced that the Joint Provident Fund card holders to provide unsecured loans, the maximum credit limit of 1 million yuan. The maximum period of this loan is one year, if the borrower has special circumstances can also handle the extension;