Hello!

Reference provident fund loan conditions:

1, the housing provident fund has been paid normally for more than 6 months (no arrears, and the payment is suspended);

2, the purchase and construction of owner-occupied housing in the city;

3, including the purchase and construction of housing, the family's existing housing does not exceed two sets;

4. The main body of the purchased house has reached the ceiling, and an agreement or contract for the sale and construction of the house has been signed, and the prescribed down payment has been paid;

5. Take the property that has obtained the house ownership certificate as collateral, or take the house selling unit that has signed an agreement with the provident fund center as guarantee;

6. Within three months after receiving the ownership certificate of the purchased house;

7, bank housing loans into housing provident fund loans, in the repayment period or three months in advance to pay off the housing loans.

Only on behalf of personal views, don't spray if you don't like it, thank you.

Second, how much can I borrow from the provident fund 6000?

How much MPF 6000 can be loaned depends on regional regulations, which vary from region to region. Generally, the maximum loan I can apply for alone is 400,000, and the maximum loan my spouse and I can apply for is 600,000.

The calculation method of provident fund loan amount is as follows:

1. The formula for calculating the loan amount according to the repayment ability is: [(total monthly salary of the borrower, monthly contribution of the housing accumulation fund of the borrower's unit) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month).

2. according to the amount used by the spouse. [(total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan term (month). Among them, the repayment ability coefficient is 40%. Total monthly salary = monthly contribution of provident fund ÷ (proportion of unit contribution and proportion of individual contribution).

3. The loan amount is calculated according to the house price. The calculation formula is: loan amount = house price × loan ratio.

4. The loan amount is calculated according to the maximum loan amount. The specific maximum amount varies from place to place.

In addition, the loan amount of the provident fund depends on the monthly deposit of the provident fund. If the monthly deposit amount is relatively large, it means that the borrower has better repayment ability and the bank will provide a higher loan amount.

Legal basis: Article 3 of the Notice on Standardizing the Policy of Personal Housing Loan for Housing Provident Fund, the second set of personal housing loan for housing provident fund is only provided to paid workers' families whose existing per capita housing construction area is lower than the local average level, and the purpose of the loan is limited to the purchase of ordinary self-occupied housing with improved living conditions. The down payment ratio of the second housing provident fund personal housing loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the first housing provident fund personal housing loan interest rate in the same period.

Notice on Issues Related to Standardizing Housing Provident Fund Individual Housing Loan Policy Article 5 The Urban Housing Provident Fund Management Committee shall reasonably determine the maximum amount of individual housing loan for housing provident fund based on the local housing price, per capita housing construction area and the development of housing provident fund business, and on the principle of supporting the loan demand of paid employees to purchase ordinary self-occupied housing, and report it to the provincial housing and urban construction, finance, the People's Bank of China and banking supervision departments for the record. The maximum amount of individual housing loans for housing accumulation funds of municipalities directly under the Central Government and Xinjiang Production and Construction Corps shall be reported to the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, the People's Bank of China and the China Banking Regulatory Commission for the record.

3. How much can I borrow from the provident fund balance of 6000?

A monthly provident fund of 6,000 yuan can borrow 400,000 yuan.

Provident fund is housing provident fund. If you have a provident fund, you can borrow money to buy a house. The interest rate of using provident fund loans is much lower than that of bank loans. The amount of provident fund loans is also related to the amount in the provident fund account. The amount of common provident fund loans is 10-20 times that in the provident fund account, so when the amount in the provident fund account is 6,000 yuan, the loan amount is about 60,000-120,000 yuan.

4. 13 What is the balance of the ten-year retirement provident fund with universal loan?

There are also restrictions on the amount of retirement provident fund loans for the remaining ten years. The general loan amount is determined according to the time we pay and the amount in the provident fund account. The term of provident fund loans is also stipulated. General provident fund loans are the most common.