It does not affect the loan limit, but too high a debt will affect loan approval

The specific provident fund loan limit is calculated based on the loan repayment ability, provident fund loan housing price ratio, housing provident fund account balance and The maximum loan limit is determined by four conditions. The minimum value calculated from the four conditions is the maximum loan amount that the borrower can borrow.

Process for provident fund loans:

1. The borrower applies for a loan at the acceptance outlet;

2. The acceptance outlet handles the inquiry on the status of the property under the family’s name on its behalf;

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3. Acceptance at the acceptance network;

3. Signing a contract;

4. Approval;

5. Handling mortgage registration procedures at the real estate trading center;

6. Bank lending.