Or go to the management center outlet and ask the counter staff.
It should be noted that there are also regulations on the maximum amount of provident fund loans in various places.
For example, Changsha stipulates that the maximum loan amount is 600,000.
You can borrow as much as you don't want.
In addition, the amount of provident fund loans may also be related to the deposit balance in the provident fund account, which is generally a multiple relationship (local regulations may be different, like Changsha).
The amount of personal housing provident fund loans applied by employees' families is 15 times of the sum of the housing provident fund accounts of both husband and wife).
And if you refer to the repayment ability coefficient, the formula is.
Provident fund loan amount = [(total monthly salary of the borrower+monthly contribution of the housing provident fund of the borrower's unit) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month), and the amount can also be calculated according to the formula.
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Why not recommend provident fund to buy second-hand houses?
Because second-hand houses are generally older, the value of the house is not so high.
If the house does not meet the requirements, the borrower's application for provident fund loan is likely to be rejected.
In addition, the application for provident fund loans has certain interest rate concessions. If the borrower wants to buy a house, buying a new house can maximize the benefits.
If possible, property buyers can avoid some real economic disputes by buying new houses.
However, the new house also has the problem that the goods are not on the right board, and borrowers still need to be cautious.