When handling provident fund loan procedures in Suzhou, it is generally necessary to determine the loan amount according to the actual situation. If the personal account balance is 30,000 yuan, the specific amount can be calculated according to the actual situation. Regarding the loan amount of Suzhou 30,000 provident fund, the following is a detailed answer from Bian Xiao. 1. How much can I borrow from Suzhou's 30,000 provident fund? There are four ways to calculate the loan amount: 65,438+0. The formula for calculating provident fund loans according to repayment ability is: loan amount = [(total monthly salary of the borrower or husband and wife+monthly contribution of housing provident fund of the unit where the borrower or husband and wife work) × repayment ability coefficient× monthly repayment amount of existing loans of the borrower or husband and wife ]× 12 (month). 2. The calculation formula of provident fund loan based on house price is: loan amount = house price × loan ratio. 3. According to the maximum loan amount: if I use my housing provident fund to apply for a loan provident fund loan and meet the application conditions, I can borrow according to the local personal maximum; 4. the calculation formula of provident fund loan based on the balance of provident fund account is: the amount of provident fund loan = the balance of provident fund account between borrower and borrower ×n 2. Suzhou provident fund loan process (second-hand housing loan) 1. The borrower brings all the materials to the handling place to apply for a loan → the center examines and approves it step by step, and applies for examination and approval forms for loans that meet the loan conditions. 2. (Guarantee) → The loan applicant shall go through the guarantee formalities at the guarantee company with the approval materials → The loan applicant shall go through the loan signing formalities at the loan bank with the approval materials and guarantee materials. 3. (Pledge Guarantee) → Go to the loan bank to handle the pledge guarantee and loan signing procedures. 4. (Pledge the balance of the provident fund) → Go through the pledge formalities at the same time as applying at the central counter → Go through the loan signing formalities at the loan bank. Three. Suzhou Provident Fund Loan Law "Regulations on the Management of Housing Provident Fund" (revised by the State Council's decision on amending some administrative regulations on March 24, 20 19) Article 11 The housing provident fund management center shall perform the following duties: (1) Prepare and implement the plan for the collection and use of housing provident fund; (two) responsible for recording the deposit, withdrawal and use of employee housing provident fund; (three) responsible for the accounting of housing provident fund; (four) to approve the extraction and use of housing provident fund; (five) responsible for the preservation and return of housing provident fund; (six) the preparation of housing provident fund collection and use plan implementation report; (seven) to undertake other matters decided by the housing provident fund management committee. Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to 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. The above is the related content compiled by Bian Xiao. Applying for provident fund loans is relatively simple. Just prepare the corresponding materials and submit them to the provident fund management bureau. If the personal account has a balance of 30,000 yuan at the time of application, the loan amount can be calculated by the above four methods. If you have other needs, please do one-on-one legal consultation online.

Legal objectivity:

"Regulations on the management of housing provident fund" Article 13 The housing provident fund management center shall set up a housing provident fund account in the entrusted bank. The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account. The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.