Provident fund loans have nothing to do with the balance. As long as the provident fund deposit period is over one year and meets the conditions of local provident fund loans, you can use provident fund loans to buy a house. Generally, if you buy a new house, the loan amount can reach 20 times the balance in the provident fund card. To buy a second-hand house, you can borrow 10 times the balance of the provident fund card.

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. More than 24 issues of loans overdue. 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.