provident fund income tax

There were many ways to withdraw the Suzhou Provident Fund: * * 1. Common extraction types and methods ** 1. * * Withdraw from purchase ** - When an employee purchases a self-occupied house, he, his spouse, and his immediate family members with the same household register can withdraw the housing accumulation fund. Each purchase of a house can only be withdrawn once from the accumulation fund. The withdrawal amount shall be based on the principle of "equal withdrawal (use)", which shall not exceed the total price of the house or the total price actually paid. When withdrawing, you need to bring the house purchase contract, ID card and other materials to the Suzhou housing accumulation fund management center to apply. After the review meets the requirements, the withdrawal balance will be transferred to the associated bank card. 2. * * Withdrawing rental commission ** - Requires the depository to continuously pay the housing accumulation fund in full in the city for three months, and the depository and spouse do not have their own house or rented house for self-occupation in the place of work (within the scope of Suzhou). You can search for "Provident Fund" through AliPay, click "Renting House Withdraw", enter the information (including your own and family members 'information) according to the prompt to submit the application, and it will arrive in a few minutes at the earliest; You can also apply through the "Suzhou Provident Fund" App. New citizens (not registered in the city) and young people (under 40 years old) do not need to provide a lease contract. In other cases, a lease contract is required. 3. * * Repayment Entrustment Withdrawing ** - It can be used to repay the principal and interest of the housing accumulation fund loan within the scope of Suzhou, the principal and interest of the housing accumulation fund and commercial combination loan, and the principal and interest of the commercial housing loan issued by the commercial bank signed with the Suzhou housing accumulation fund management center. I, my spouse, and the immediate family members of the same household register can sign a loan repayment commission withdrawal agreement. 4. * * Withdraw from the transfer of foreign household registration employees from the city ** - If the employee who had paid the deposit terminated or terminated the labor relationship with the unit, the personal account would be sealed first. After half a year of sealing, the foreign household registration employees who did not have normal employment in our city and did not continue to deposit in other places could go through the procedures of canceling the account and withdrawing it. 5. * * Withdraw from retirement account ** - After reaching the legal retirement age, after completing the retirement procedures and sealing the housing accumulation fund account, you can bring the relevant materials to the accumulation fund service hall to withdraw the full amount of the accumulation fund account. You can also use the "Suzhou accumulation fund app" channel and self-service in the "retirement withdrawal" in the "business processing". 6. * * Withdraw from flexible employment account ** - It can be processed through the "Suzhou Provident Fund" app or the "Su Zhou Zhou" app. You need to provide a normal bank card. You can withdraw it after you swipe your face and verify the mobile phone verification code reserved for the bank card in the flexible employment account withdrawal menu. There is no need to set a transaction password. * * 2. Status of withdrawal limit ** 1. * * When you can withdraw the full amount ** - Including those who purchase, build, renovate, or repair their own houses; Retired; Completely or partially lost their ability to work and terminated their labor relationship with the unit; Those who left the country to settle down; Repaying the principal and interest of the house purchase loan; Paying the rent of the rented self-occupied house; Those who have been identified by the competent department as the target of the minimum living security, the target of the minimum living security, and the target of the special hardship workers; Women over 40 years old, men over 50 years old laid-off and unemployed, and the housing accumulation fund account has been sealed for two years; Termination of labor relations with the unit, and the registered permanent residence is not in the city or the registered permanent residence has moved out of the city; other circumstances determined by the Provident Fund Management Committee. 2. * * Partial extraction possible ** - For the purchase of a new ordinary house, the withdrawal amount (if more than one person withdraws, the total amount shall be the same as below) shall not exceed the amount of the house purchase receipt provided. - To purchase a house (second-hand house), the withdrawal amount must not exceed the total price of the house. The total price of the house refers to the house price agreed in the Contract for the Sales of Remaining Houses, the amount of the house sale (excluding the garage) in the Consolidated Real Estate Sales Receipt, and the tax amount in the deed tax payment receipt. - For the purchase of relocation houses, the withdrawal amount shall not exceed the difference between the price of the relocation houses and the fixed sales houses and the compensation for the relocation.

There are many types of Nanjing Provident Fund withdrawal, as follows: ** 1. Withdraw from house purchase category ** 1. ** Buy a commercial house ** - [Condition: Satisfies the relevant circumstances and conditions.] - Information: The Commercial House Sales Contract (pre-sale/current sale) registered by the real estate transaction management department, the down payment receipt, and the original ID card must be provided. If you want to buy a house in another place, you must provide the household register or social security payment materials, and the bank card deposited in the bank. The time of purchase is subject to the pre-sale (current sale) contract. 2. ** Purchasing stock houses (including houses auctioned by the court)** - [Condition: Satisfies the relevant circumstances and conditions.] - Information: You need to provide the Real Estate Title Certificate, the original ID card, the number of the "Storage House Sales Contract"(the house's "Auction Completion Confirm"), the household register or social security payment materials for the purchase of houses in other places, the purchase receipt for the purchase of houses in other places, and the bank card deposited in the bank. The purchase time is based on the registration time of the real estate title certificate. 3. ** Purchasing public housing ** - [Condition: Satisfies the relevant circumstances and conditions.] - Information: The Real Estate Title Certificate, the full purchase receipt, the Public House Sales Contract, the original ID card, and the bank card deposited in the bank are required. The time of purchase is subject to the registration time of the Real Estate Title Certificate. 4. ** Purchasing affordable housing (including shared property)** - [Condition: Satisfies the relevant circumstances and conditions.] - Information: The original copy of the Nanjing City's affordable housing sales contract (the "Joint Property House Sales Contract"), the payment receipt, the original ID card, and the bank card that was deposited in the bank should be provided. 5. ** Special circumstances ** - If an employee and their parents (children) purchase the same self-occupied house together, they can withdraw the housing accumulation fund. If an employee, other than their parents and children, purchased the same self-occupied house together, only one of them could withdraw the housing accumulation fund. - If an employee who owns a property right house in this city buys a house in another place, and the place where the house is bought is not the workplace or household registration of the employee (spouse), the housing accumulation fund (including the repayment of the principal and interest of the house purchase loan) shall not be withdrawn for the purchase of the house. For employees who have no property rights in this city, if they purchase houses in the neighboring areas of Nanjing City, they will be able to purchase houses according to the local conditions if they meet the relevant regulations such as self-occupation. - If an employee purchases a third or higher house, and the employee himself has withdrawn the housing accumulation fund twice or more due to the purchase of the house, the housing accumulation fund will not be withdrawn; if the spouse has withdrawn the housing accumulation fund twice or more due to the purchase of the house, the housing accumulation fund will not be withdrawn. ** 2. Withdrawing loan repayment ** 1. ** One-time advance repayment of accumulation fund loan at the counter ** - Condition: - The housing accumulation fund loans of the Borrowers and their spouse in Nanjing Center have not been settled. - If the borrowing party and the spouse sign a monthly repayment agreement, the account must retain a balance of not less than 12 times the monthly deposit amount at the time of signing the agreement. 2. ** One-time repayment of commercial (foreign accumulation fund) loan at the counter ** - Condition: - The Borrowers and their spouse have no outstanding housing accumulation fund loans in Nanjing Center. - The Borrowers and their spouse did not sign an agreement to entrust them to repay the commercial loan on a monthly basis in Nanjing Center. - If an employee purchases a third or higher house and has withdrawn the housing accumulation fund twice or more due to the purchase of the house, the third or higher house will not be processed; if his or her spouse has withdrawn the housing accumulation fund twice or more due to the purchase of the house, the third or higher house will not be processed. - If an employee who owns a property right house in this city buys a house in another place and takes a loan, if the place where the house is bought is not the employee's (spouse's) workplace or household registration, it will not be handled. For employees who have no property rights in this city, if they purchase houses in the surrounding areas Nanjing City, they will be dealt with according to the local situation if they meet the relevant regulations such as self-occupation. - Those who have handled the year-by-year withdrawal of loans from the counter within this year cannot be handled. 3. ** Withdraw and repay the commercial (foreign accumulation fund) loan year by year from the counter ** - Condition: - The Borrowers and their spouse have no outstanding housing accumulation fund loans in Nanjing Center. - The Borrowers and their spouse did not sign an agreement to entrust them to repay the commercial loan on a monthly basis in Nanjing Center. - If an employee purchases a third or higher house and has withdrawn the housing accumulation fund twice or more due to the purchase of the house, the third or higher house will not be processed; if his or her spouse has withdrawn the housing accumulation fund twice or more due to the purchase of the house, the third or higher house will not be processed. - If an employee who owns a property right house in this city buys a house in another place and takes a loan, the purchase place is not the employee's (spouse's) workplace or household registration place, it will not be handled. For employees who have no property rights in this city, if they purchase houses in the surrounding areas Nanjing City, they will be dealt with according to the local situation if they meet the relevant regulations such as self-occupation. - Those who have monthly commercial loan repayment records within 12 months before withdrawal and those who have handled one-time repayment over the counter this year cannot be handled. ** 3. Withdrawing rental fees ** 1. ** Before the New Deal ** - Condition: The employee has continuously paid the housing accumulation fund in full for three months, and the employee and his or her spouse have no property rights in the city and are renting a house. - [Duration: 1 time per quarter. The withdrawal interval is 3 months or more (calculated as 90 days).] 2. ** After the New Deal (Piloting the monthly direct payment of rent by the accumulation fund)** - "Range of application: In the long-term rental apartment pilot project of Southeast Youth Exchange, involving 10 projects of Southeast Youth Exchange, covering seven major administrative districts of Nanjing and Jiangbei New District, radiating more than 5000 apartments. - Condition: The Nanjing Provident Fund deposit employee who rented the project shall apply for monthly direct payment of rent to the rental store. After information entry and system review, the housing accumulation fund of the applicants will be automatically transferred to the account of the rental agency, and they can enjoy preferential policies such as deposit exemption and rent discount. ** IV. Withdraw from account closure (Withdraw from housing accumulation fund for employees who leave their jobs)** 1. ** Condition * - If the employee has terminated the labor relationship with the unit, and the household registration has moved out of the city or the household registration is not in the city, the housing accumulation fund account has been sealed for half a year and has not continued to deposit the housing accumulation fund in another place, you can apply for a one-time withdrawal of the housing accumulation fund (the household registration cannot be in Nanjing City). 2. ** Materials ** - Foreign Household Registration Booklet (Household Registration Transfer Certificate), ID card, declaration of not continuing to deposit housing accumulation fund in other places (the declaration shall be signed by the employee at the counter window), and bank card for deposit in the bank. 3. ** Method of handling ** - If the data can be inquired through shared information, employees can apply for it at the "Nanjing Provident Fund" APP and "My Nanjing" app. The process included registration, identity authentication, binding to the mobile phone, entering the business hall to select a foreign account, leaving the account, canceling the account, and other steps. If the data cannot be inquired through the shared information, the employee shall bring the relevant supporting materials to the service outlet of the deposit bank to apply for withdrawal of the housing accumulation fund. The withdrawn housing accumulation fund shall be transferred to the bank card of the deposit bank of the employee housing accumulation fund. 4. ** Withdrawing Limit **: Withdraw after account closing. 5. ** Time limit **: If the procedures are complete, the approval will be completed within one working day. If the materials need to be verified, the approval will be completed within three working days. In addition, the Nanjing Metropolis Circle housing accumulation fund integrated development cooperation meeting signed relevant agreements to support Nanjing Metropolis Circle deposit employees to buy houses in Nanjing using housing accumulation fund loans; Nanjing City deposit employees in other cities of Nanjing Metropolis Circle (including Changzhou City, Zhenjiang City, Yangzhou City, Huaian City, Wuhu City, Maanshan City, Chuzhou City, Xuancheng City) to buy their own houses, enjoy the same city treatment of housing accumulation fund withdrawal.

In Chongqing, the withdrawal conditions of the accumulation fund mainly included the purchase of self-occupied housing, repayment of the principal and interest of the purchase loan, rental of housing, retirement, complete loss of labor capacity, settlement abroad, death or declaration of death, etc. The withdrawal process is roughly as follows: prepare relevant materials, log in to the official website of Chongqing City accumulation fund management center or go to each district and county management department, fill in the "housing accumulation fund withdrawal application form," submit the application form and relevant materials, wait for review, after the review, the funds will be transferred to the designated account. Different extraction methods required different materials, such as: - To purchase a self-occupied house, a purchase contract, payment certificate, ID card, etc. are required. - Repayment of the principal and interest of the house purchase loan: loan contract, repayment certificate, ID card, etc. - To rent a house, a rental contract, rental receipt, ID card, etc. are required. - Retired: Requires retirement certificate, ID card, etc. - Complete loss of ability to work: Requires identification certificate of ability to work, ID card, etc. - Settlement abroad: required exit certificate, ID card, etc. - Dead or declared dead: Death certificate, heir ID card, etc. In addition, through the mobile phone, you can also withdraw part of the accumulation fund, such as renting a house. The specific operation is to enter "Chongqing Provident Fund" in the search bar of AliPay. After identity verification, enter the accumulation fund page and click "Business Management", then click "Renting house withdrawal", click "Agree" and then enter the rental information and the amount to be withdrawn (unmarried can withdraw 18000 yuan, married can withdraw 36000 yuan). The withdrawal can be successful, but renting a house can only be withdrawn once a year. In addition, the accumulation fund also had resignation withdrawal, loan repayment withdrawal, house purchase withdrawal, retirement withdrawal, and so on. When withdrawing the accumulation fund, you should pay attention to ensure that the materials provided are true and effective, understand the specific regulations and restrictions of different withdrawal reasons, pay attention to the balance of the accumulation fund account in time to avoid withdrawal failure due to insufficient balance. If you have any questions, you can consult the Chongqing City accumulation fund management center or the district and county management departments.

There were many situations in Shanghai to withdraw funds. If it is used for housing-related withdrawal, the depository can withdraw it under the circumstances of purchasing, constructing, renovating, and overrepairing the self-occupied housing; retiring; completely losing the ability to work and terminating the labor relationship with the unit; leaving the country to settle down; repaying the principal and interest of the house purchase loan and the rent exceeding the prescribed proportion of the family wage income. Among them, there are new regulations on the withdrawal of rental housing from November 1,2024: for renting affordable rental housing in this city, each family (including single families) can withdraw according to the actual rent expenditure; for renting rental housing in the city market, the monthly withdrawal limit of each family will be increased from 3000 yuan to 4000 yuan. new citizen (Those who have not obtained the city's household registration or have obtained the city's household registration for less than three years when handling the housing accumulation fund withdrawal procedures), young people (For those who are under the age of 35 (inclusive) when handling the housing accumulation fund withdrawal procedures), each family can withdraw the housing accumulation fund according to the actual rent expenditure when handling the online signing and filing of the lease contract; For high-level talents recognized by the talent department of this city who have no houses in this city and rent houses in the rental market, they can withdraw according to the monthly deposit amount of the housing accumulation fund. In terms of withdrawal, from November 1,2024, the application for the withdrawal of housing accumulation fund from the market rental housing will be applied, and the withdrawal frequency will be adjusted from once a quarter to once a month; For the withdrawal applicants who handle the regular transfer rental withdrawal business, when the balance of their housing accumulation fund account is less than the amount to be withdrawn in the current month, they are supported to withdraw according to the account balance (after the withdrawal is completed, the account balance cannot be zero yuan); The withdrawal date is fixed from "end of the month" to "25th day". However, if you have applied for the withdrawal of housing accumulation fund from the market rental housing before November 1,2024 (excluding that day), the withdrawal frequency and deduction rules shall still be implemented according to the original regulations. If it was to repay the principal and interest of the housing loan, it had to be handled according to the relevant regulations and procedures. For loan buyers identified as the second set of improved housing, the minimum down payment ratio will be adjusted to 25% from October 18,2024; For the second set of improved housing, and the housing purchased by the loan is located in the new area of Lingang in China (Shanghai) Free Trade Zone and the six administrative districts of Jiading, Qingpu, Songjiang, Fengxian, Baoshan and Jinshan, the minimum down payment ratio will be adjusted to 20%. In addition, you can also search for "accumulation fund" through AliPay, click "rental withdrawal", and enter your and your family members 'information according to the prompt to withdraw.

The Ordos Provident Fund withdrawal policy has the following latest adjustments: 1. Support the withdrawal of housing accumulation fund for "family life is particularly difficult due to major diseases". If the depository, spouse, children and parents of both husband and wife suffer from major diseases, causing family life to be particularly difficult, they can withdraw housing accumulation fund. 2. Support the withdrawal of housing accumulation fund for "family life is particularly difficult due to emergencies". If the depository, spouse, children and parents of both husband and wife suffer heavy losses of family property due to emergencies, resulting in family life being particularly difficult, they can withdraw housing accumulation fund. 3. Supporting the withdrawal of housing accumulation fund to pay the down payment for the purchase of houses. The depository, spouse, children and parents of both husband and wife can purchase new commercial housing in Ordos City (the real estate development enterprise has gone through the real estate admission procedures in the housing accumulation fund center of Ordos City), and the real estate development enterprise has signed the "Commercial House Registration Agreement" and "Real Estate Development Enterprise Letter of Promise". The housing accumulation fund can be withdrawn to pay the down payment for the purchase of houses. 4. Reduce the down payment ratio of housing accumulation fund loans. For those who use housing accumulation fund loans to purchase the first or second self-occupied houses in Ordos City, the down payment ratio shall not be less than 20%; for those who use housing accumulation fund loans to purchase affordable housing in Ordos City, the down payment ratio shall not be less than 15%. Click on the link below to read the Musket Fire comic.

The steps to withdraw the Nanjing Provident Fund are as follows: 1. ** Withdraw through the Nanjing Provident Fund App (Withdraw from the account of a non-local resignation account)** - Enter the Nanjing Provident Fund App and complete the registration. - After logging in successfully, click [My] at the bottom of the page, click [Identity Verification], and enter the self-service business declaration page. After clicking [I have read and accepted], he entered the identity verification page. - After the authentication was successful, he entered the bound phone page, entered the phone number, clicked [Obtain Captcha], entered the received text message Captcha, and clicked [Submit]. - After the submission is successful, click [Business Hall] below, and click [Withdraw from Resigned Non-local Household Registration] to enter the self-service business declaration page (This transaction can only be operated after real-name verification). 2. ** Withdraw via AliPay (Withdraw from rental)** - He opened AliPay and searched for the words "accumulation fund" in the search bar. A Mini programs popped up. - He clicked on the "rental room withdrawal" and entered his own information and the information of his family members according to the prompt. After entering the information, he could submit it and it would be transferred to his account in a few minutes at the earliest. 3. ** General withdrawal process (applicable to a variety of withdrawal situations, such as overseas settlement withdrawal)** - Submit the employee application and provide basic materials. - The housing accumulation fund management center accepted it. - The management center approved it. - The withdrawal was approved and informed. - Bank or direct payment.

The withdrawal method of Nanjing Provident Fund is as follows: ** 1. Withdrawing from house purchase (in some cases)** 1. ** Withdraw from purchased pre-sale and current commercial houses (with family members 'purchase status)** - If an employee and their parents (children) purchase the same self-occupied house together, they can withdraw the housing accumulation fund. - If an employee, other than their parents and children, purchased the same self-occupied house together, only one of them could withdraw the housing accumulation fund. - If an employee who owns a property right house in this city buys a house in another place, and the place where the house is bought is not the workplace or household registration of the employee (spouse), the housing accumulation fund (including the repayment of the principal and interest of the house purchase loan) shall not be withdrawn for the purchase of the house. - For employees who have no property rights in this city, if they purchase houses in the neighboring areas of Nanjing City, they will be able to purchase houses according to the local conditions if they meet the relevant regulations such as self-occupation. - If an employee purchases a third or higher house, and the employee himself has withdrawn the housing accumulation fund twice or more due to the purchase of the house, the housing accumulation fund will not be withdrawn; if the spouse has withdrawn the housing accumulation fund twice or more due to the purchase of the house, the housing accumulation fund will not be withdrawn. 2. ** Withdraw from Nanjing Metropolis Circle's house purchase (Nanjing City's employee deposit)** - Nanjing City paid employees purchase self-occupied housing in other cities in Nanjing metropolis circle (including Changzhou, Zhenjiang, Yangzhou, Huai 'an, Wuhu, Ma' an, Chuzhou, Xuancheng) and enjoy the same city treatment of housing accumulation fund. ** 2. Withdrawing rental fees ** 1. ** Before the New Deal ** - The employee needs to continuously pay the housing accumulation fund in full for three months, and the employee and his or her spouse have no property rights in the city and can withdraw the rental housing. In terms of processing time, it could be processed once every quarter, and the withdrawal time interval was greater than or equal to three months (calculated as 90 days). 2. ** After the New Deal (pilot)** - In the "Southeast Youth Exchange" long-term rental apartment pilot accumulation fund monthly direct rent business, involving 10 projects, covering seven major administrative districts in Nanjing and Jiangbei New District, radiating more than 5000 suites. The Nanjing Provident Fund deposit employee who rented the project submitted an application for monthly direct payment of rent to the rental store. After information entry and system review, the housing accumulation fund of the applicants would be automatically transferred to the account of the rental agency, and they could also enjoy preferential policies such as deposit exemption and rent discount. ** 3. Withdraw from resignation (registered permanent residence is not Nanjing City)** 1. ** Conditions ** - If an employee terminated their labor relationship with the unit, and their household registration moved out of the city or was not in the city, and their housing accumulation fund account was sealed for half a year and did not continue to deposit the housing accumulation fund in another place, they could apply for a one-time withdrawal of the housing accumulation fund. 2. ** Materials processing ** - Foreign household register (household registration transfer certificate); ID card; statement that the housing accumulation fund has not been deposited in the foreign place (signed by the employee at the counter window); bank card deposited in the bank. 3. ** Method of handling ** - ** Data can be inquired through shared information **: You can apply for it in the "Nanjing Provident Fund" APP and "My Nanjing" app. - The process was as follows: - Enter the Nanjing Provident Fund App and complete the registration. - After logging in successfully, click [My] at the bottom of the page, click [Identity Verification], and enter the self-service business declaration page. After clicking [I have read and accepted], he entered the identity verification page. - After the authentication was successful, he entered the bound phone page, entered the phone number, clicked [Obtain Captcha], entered the received text message Captcha, and clicked [Submit]. - After the submission is successful, click [Business Hall] below, and click [Withdraw from Resigned Non-local Household Registration] to enter the self-service business declaration page (This transaction can only be operated after real-name verification). He clicked [I have read and accepted] to enter the business page. - You can choose to withdraw the account (Provident Fund account or subsidy account) according to the account situation. If there is a subsidy account, please withdraw the subsidy account first; if there is no subsidy account, you can choose the Provident Fund account. After verifying the information, he entered the bank card number, then verified the text message. After the verification was completed, he clicked [Withdraw]. - ** Unable to inquire about data through shared information **: The employee brings the relevant supporting materials to the service branch of the deposit bank to apply for withdrawal of housing accumulation fund, and the withdrawn housing accumulation fund will be transferred to the bank card of the deposit bank of the employee housing accumulation fund.

Royalty income personal income tax calculation method. According to the tax law of our country, the personal income tax rate for royalties or royalties is 20%, and the tax amount is reduced by 30%. The specific calculation method is as follows: Individual income tax to be paid each time = the amount of income tax to be paid ×20%× (1-30%). The amount of income that should be paid tax = the amount of income (4000)-800, and the amount of income (>4000) × (1-20%). As for the income from the author's remuneration, if the income does not exceed 4000 yuan each time, 800 yuan will be deducted from the expenses; if the income exceeds 4000 yuan, 20% of the expenses will be deducted, and the balance will be the amount of tax. Therefore, the personal income tax of royalty income was calculated based on the amount of income each time. The tax rate was 20%, and the tax amount was reduced by 30%. The specific calculation formula is: Individual income tax to be paid = amount of income tax to be paid x 20% x (1-30%).

The husband and wife of a couple in Shen Zhen applied for a common reserve fund loan. If the co-applicants participated in the calculation of the quota, the maximum amount of the common reserve fund loan for a single house was 900,000 yuan. However, under one of the following circumstances, the maximum amount of the accumulation fund loan can be increased by a certain percentage: 1. For those who used the Provident Fund loan to purchase their first home, the maximum amount of the Provident Fund loan could be increased by 20%; 2. If you use the accumulation fund loan to buy the first house, and the house you buy is a green building with a green building evaluation standard of two-star or above, the maximum amount of the accumulation fund loan can be increased by 30%; 3. Families with two or more children (at least one child is underage, the same below) who use the accumulation fund loan to buy the first house can increase the maximum amount of the accumulation fund loan by 30%; 4. Families with two or more children use the accumulation fund loan to purchase the first house, and the house purchased is a green building with a green building evaluation standard of two-star or above, the maximum amount of the accumulation fund loan can be increased by 40%. 5. If the applicants and the co-applicants who calculate the loanable amount have not withdrawn the accumulation fund for more than three consecutive years before applying for the accumulation fund loan, the loanable amount of the accumulation fund loan calculated according to the multiple of the housing accumulation fund account balance can be increased by 10%(that is, the eligible employee family accumulation fund loan can be increased from the original 900,000 yuan to 1.26 million yuan). At the same time, the following conditions had to be met: 1. The monthly loan repayment amount calculated according to the loan amount (the principal and interest calculated according to the equal principal and interest repayment method) does not exceed 50% of the sum of the husband and wife's accumulation fund base; 2. It shall not be higher than the difference between the total purchase price and the down payment. The down payment ratio shall comply with the relevant requirements of the national, provincial and municipal real estate regulation and control; if the purchased house is a stock commodity house (second-hand house), the total purchase price shall be the lower of the contract price signed online and the evaluation price made by the real estate appraisal agency approved by the Provident Fund Center. In addition, starting from September 18,2024, if the deposited employee purchases the first home to apply for a housing accumulation fund loan, the loan amount can be calculated by combining the rental withdrawal amount within one year with the account balance. The novel,"The Couple's Universe: The Amazing Legend of Shen Zhen" is equally exciting. Everyone is welcome to click and read it!

The income of the fund depended on many factors, such as the type of fund (net worth type, cash management type, fixed income type, etc.), market conditions, etc. Therefore, the monthly income of 10,000 yuan could not be directly determined. For a net worth fund, the return is calculated based on the change in the fund's net worth. You need to know the net value of the fund when buying and selling to calculate the return. For example, if the net value of the fund was 1 when buying, and the shares were 10000 shares when buying 10000 yuan, the net value of the fund would become 1.05 after one month, then the income would be 10000×(1.05 - 1)=500 yuan. The income distribution index of the cash financial management fund included "income per 10,000 shares" and "seven-day annual rate of return." The income per 10,000 units referred to the income that could be obtained for every 10,000 units of fund shares on the same day. The income for a month could be calculated according to the income per 10,000 units per day. The seven-day annual rate of return referred to the annual rate of return converted from the net income per 10,000 units of fund shares in the past seven days. This data could only be used as a rough reference. Theoretically, fixed-income funds were settled according to the agreed rate of return. The return = purchase amount x agreed annual rate of return x number of days of interest/365. However, there were no fund products that guaranteed principal and interest on the market at present. In addition, the investment process of the fund also involved a variety of fees (such as manager fees, guardian fees, etc.), which would affect the final income and also needed to be considered when calculating the income. Watching "Safe Entry" wasn't enough. Everyone, please click to read the novel!