Anqing provident fund loan amount

The loan amount of Anqing provident fund is calculated according to the borrower's salary level and the deposit of provident fund, and the maximum amount can reach 500,000 yuan.

Anqing City's provident fund loan amount is formulated by the Municipal Housing Provident Fund Management Center in accordance with relevant national policies and regulations. The borrower's salary level and the deposit of provident fund are the main factors that determine the loan amount. Specifically, there are two ways to calculate the loan amount of Anqing provident fund: one is the monthly repayment method, that is, the sum of the paid provident fund is allocated to the repayment period every month, and then the maximum loan amount is 500,000 yuan according to the proportion of 60%; The other is the equal principal and interest method. According to the comprehensive evaluation of the borrower's provident fund deposit period and salary level, the maximum loan can be 300,000 yuan. At the same time, in order to ensure the borrower's repayment ability and loan risk, Anqing's provident fund loan also has some conditions. For example, the borrower must have a stable job and income; The loan amount shall not exceed 70% of the amount of the borrower's provident fund account; The loan interest rate is generally 1. 1 times the benchmark interest rate.

What should the borrower do if it is overdue? If the borrower fails to repay the loan within the time limit, Anqing Provident Fund Management Center will remind him to repay the loan in time by telephone or SMS. , and charge him overdue liquidated damages. If the repayment is still overdue, legal measures will be taken to collect it, such as taking legal proceedings and entrusting the company to collect it, which may even have a negative impact on the borrower's credit record.

The loan amount of Anqing provident fund is calculated according to the borrower's salary level and the deposit of provident fund, and the maximum amount can reach 500,000 yuan. There are some restrictions to ensure the borrower's repayment ability and loan risk. If the borrower fails to repay the loan in time, it will be charged liquidated damages, which may have a negative impact on its credit history. The relevant legal provisions in this field are the Regulations of People's Republic of China (PRC) on Housing Provident Fund.

Legal basis:

Article 16 of the Regulations of People's Republic of China (PRC) Municipality on Housing Provident Fund has no upper limit on the amount of individual housing provident fund; The maximum amount of individual housing provident fund loans is determined according to factors such as individual deposit, construction area of purchased housing, total price, loan term and repayment ability. , and in accordance with the provisions of the provinces, autonomous regions and municipalities directly under the central government.