Generally, there is a stable source of income, and it is ok to meet the relevant regulations of the bank. Banks generally have three ways to determine how much to lend to borrowers and how long the loan period is. 1. The loan amount is determined according to 10 times of the balance of housing accumulation fund paid by the borrower. 2. 40% of the borrower's total salary is used as the loan amount that can be applied. 3. According to the borrower's monthly repayment ability and the bank's monthly loan interest rate of 3.825‰, the approximate repayment period can be calculated by substituting the corresponding formula. In addition, the bank will "repay the loan" to the provident fund in March each year, and the reduction amount will not exceed 12 times of the monthly repayment amount of that year. In other words, the provident fund you pay can not only apply for a loan with lower interest rate, but also help you repay part of the loan amount.

Legal objectivity:

Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.