1, the balance of the provident fund has nothing to do with whether the loan can be made.

The balance is related to how much money you can borrow.

1. Calculation of housing provident fund loan amount.

2. It should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount.

3. The minimum value calculated according to the four conditions is the maximum loanable amount of the borrower.

How much do I need to keep the balance of provident fund loans?

To apply for provident fund loans, the provisions on the balance of the applicant's housing provident fund account are as follows:

1. The housing provident fund account must have deposits for more than six months (inclusive).

2. There are no specific restrictions on the balance of the housing provident fund account. It is not accurate to say that the balance of online housing provident fund account must reach more than 10 thousand before loans can be made. As long as the first requirement is met in most areas, loans can be made even if the balance of the housing provident fund account is less than 1 10,000 (specifically, according to the regulations of the local housing provident fund management center, telephone consultation is enough).

In addition, the conditions for provident fund loans are:

1. The housing provident fund account in the month of application must be in a normal state (if the housing provident fund account is sealed, the housing provident fund loan cannot be processed temporarily).

2. The applicant has never applied for a provident fund loan or the loan has been settled (if you have applied for a provident fund loan once, you need to pay off the loan before you can apply for a new provident fund loan; Those who have applied for provident fund loans twice, regardless of whether the loans are settled, can not apply for new provident fund loans.

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Is there a requirement for the balance of personal provident fund loans?

1. Provident fund loans require the balance of the provident fund account, which is one of the elements for calculating the amount of provident fund loans. The formula for calculating the loan amount of provident fund according to the account balance is: the monthly amount of provident fund paid by the loan employees ÷ the proportion of provident fund paid by the loan employees × the repayment ability coefficient (currently 0.45)× 12× the actual loanable period.

2. Lenders can only apply for housing provident fund loans after ensuring that there is a deposit balance of at least 6 months in the provident fund account.

Provident fund loan process 1. Calculate the loan amount and term. If the buyers want to borrow from the provident fund, they should first go to the developer or the local provident fund management center to learn about the related matters of provident fund management, and then they can calculate the amount and duration of their loans. 2. Apply for a loan After the purchaser determines that he can apply for a provident fund loan, the purchaser can apply for a loan from a bank that can undertake provident fund loans, and provide a copy of the information required for the loan, and bring the original for inspection. 3. Signing a contract When the application for provident fund loan of the buyer is approved, then the buyer needs to sign a loan contract at the provident fund service hall. 4. After the buyer signs the loan contract, he can go through the formalities of house purchase transaction and mortgage registration. 5. After the bank loan buyer completes all the above procedures, the loan undertaking bank will lend money to the applicant according to the loan contract, and the funds will be directly transferred to the account designated by the developer. The loanable amount of personal provident fund is calculated as 1, and the loanable amount of employees is calculated as 15 times of the average monthly balance of housing provident fund account. The calculation formula is: the personal loanable amount of employees = x times the average monthly balance of employees' housing provident fund accounts (the multiples of Hangzhou main city, Xiaoshan District, Yuhang District and Fuyang District are currently determined as 15 times). 2. The monthly average balance of housing provident fund account refers to the average balance of housing provident fund account at the end of the month when employees apply for loans (less than 12 months is determined according to the actual number of months) (excluding one-time payment for nearly 12 months). Note: The calculation result of employee personal loan amount is rounded to thousands. If it is less than 1.5 million yuan, it is determined to be 1.5 million yuan, and if it exceeds 500,000 yuan, it is determined to be 500,000 yuan.

What is the balance of the provident fund account to get a loan?

I believe everyone is familiar with provident fund. Not limited to buying a house. In fact, it can also be used when renting, decorating and building houses. As long as you meet the loan conditions, you can apply for a loan. So what is the balance of the provident fund account to get a loan? I believe this is a question that many friends want to know. Let's learn it.

First, how much is the balance of the provident fund account before the loan can be made.

If you buy a new house, the loan amount can reach 20 times of the balance in the provident fund card, and if you buy a second-hand house, you can borrow 10 times of the balance in the provident fund card. For example, buying a new house requires a loan of 20W, and the balance of the provident fund account in the card must be above 1W, otherwise it is likely to affect the loan amount.

Two. Formula for calculating the balance of provident fund account

Loan amount = balance of provident fund account ×2 monthly contribution of provident fund × to statutory retirement month ×4.

Three. Matters needing attention in applying for provident fund

1. Credit card overdrawn for 6 months.

Many people in modern times will choose credit cards. Once overdue for more than 6 months, the provident fund loan will not be approved. Therefore, we should pay special attention to credit at ordinary times.

2. loans overdue has more than 24 issues.

If the previous loan record has not been repaid for more than 24 periods, the loan cannot be made through the provident fund.

3. There have been fraudulent loans, fraudulent loans.

At present, there are many sunspot platforms to help users with poor credit information provide borrowers with false personal information loan qualifications, reminding friends not to do this as much as possible. Once fraud is discovered, they can't apply for a loan for several years.

4. The guarantor assumed the debt.

When the loan is mortgaged, the guarantor will repay the debt on his behalf, which will lead to high personal credit risk and it will be more difficult to handle the provident fund loan procedures.

The above contents are for reference only. The specific amount of provident fund loans should refer to the latest policies of local provident fund loans. If you want to buy a house with a provident fund loan, you'd better consult the local provident fund management department, so you won't be able to complete the loan if you are in trouble.

Provident fund loan, at least how much can I borrow?

If you buy a new house, the balance of the provident fund should be at least 20 thousand; If you buy a second-hand house, it costs 40 thousand.

The balance of provident fund account is one of the criteria for calculating the amount of provident fund loans, but many factors need to be considered to determine how much to borrow. The general provident fund loan amount cannot be higher than 10~20 times of the balance of the provident fund account at the time of application, of which the maximum amount for purchasing new houses is 20 times, and the maximum amount for purchasing second-hand houses is 10 times.

If the provident fund loan is 400,000 yuan, the formula for calculating the provident fund loan according to the balance of the provident fund account is: the amount of the provident fund loan (400,000 yuan) = the borrower and the balance of the borrower's provident fund account × multiple (10~20), and the balance of the provident fund account for applying for a loan of 400,000 yuan can be calculated, and it takes at least 20,000 yuan to buy a new house.

Many people should know that the balance of the provident fund account can be used not only for loans, but also for renting houses, repaying loans and overhauling self-built houses. However, considering that the balance of the provident fund account is directly related to the mortgage amount, it is best for friends who intend to use the provident fund loan to buy a house not to withdraw the provident fund easily before this.

After all, the more the balance of the provident fund account, the higher the loan amount, and once it is withdrawn, the account balance will decrease and the loan amount may not be satisfactory. Of course, the final loan amount of the provident fund loan is not a single reference account balance, but also calculated according to factors such as the time of deposit and the value of the purchased property.

In fact, in addition to buying a house, renting a house and repairing a house, the provident fund has three hidden functions:

1, enjoy tax exemption. Friends with higher wages can pay a higher proportion of five insurances and one gold as much as possible, which can not only reduce tax deduction, but also increase the money in their personal accounts.

2, you can be a pension. Isn't everyone worried about having no money to support the elderly? Then when you reach retirement age, you can withdraw the provident fund at one time with interest.

3. Used to pay for major diseases. If a family member is unfortunately seriously ill and has no money for treatment, then we can also withdraw the provident fund to pay for medical expenses. However, not all diseases can be extracted, and the identification standard of major diseases is subject to the regulations of housing provident fund management centers around the country. If you are really worried about having no money to deal with major diseases, it is recommended to rely on large medical insurance and critical illness insurance to feel more at ease.

So much for the introduction of the balance of provident fund loans.