1. Do you owe a provident fund loan of 80,000 yuan on a credit card?

1. If you owe 80,000 yuan on a credit card, it will affect your provident fund loan. Provident fund loan amount:

(1) To apply for a provident fund loan, the monthly repayment or monthly income should not exceed 50%;

(2) The housing provident fund loan period is 1-30 years , and shall not be longer than the time between the borrower and the statutory retirement age;

(3) For employees approaching retirement age, the loan period can be appropriately relaxed by 1-3 years based on their loan repayment ability.

2. Legal basis: Article 34 of the "Housing Provident Fund Management Regulations"

The Housing Provident Fund Management Center and employees have the right to urge the unit to perform the following obligations on time:

< p>(1) Registration or change or cancellation of housing provident fund payment;

(2) Establishment, transfer or sealing of housing provident fund account;

(3) Full payment of housing provident fund Save housing provident fund.

2. What are the application conditions for housing provident fund loans

1. Urban employees and their units must pay housing provident fund continuously for one year;

2. Borrowing If a person purchases a commercial house, he must have self-raised funds of no less than 30% of the total house price as the down payment of the house;

3. The borrower has a stable economic income, good credit, and the ability to repay the principal and interest of the loan. ;

4. If both spouses have paid the housing provident fund in full and normally, only one party is allowed to apply for a housing provident fund loan;

5. A family can only apply for a housing provident fund loan once at the same time. Purchase a house;

6. The lender must have a permanent urban residence in the province or a valid residence status;

7. Agree to use the purchased house as a mortgage.