Applying for a housing provident fund loan requires a balance in the account. When buyers apply for provident fund loans to buy a house, there must be a balance in the account, because the provident fund management center and the bank will judge the loan amount according to the applicant's account amount and deposit base. And without the balance of provident fund, there is no provident fund loan amount.

Moreover, the loan amount is determined to be not higher than the multiple of the sum of the borrower's housing provident fund account balance and the borrower's housing provident fund account balance. The determined loan amount is calculated by 20 times the sum of the balance of the borrower's housing provident fund account and the borrower's housing provident fund account balance. If the balance of the provident fund is less than 6,543,800 yuan, the maximum loan amount shall not exceed 200,000 yuan.

In addition, applying for provident fund loans should meet the following basic conditions: 1, full capacity for civil conduct;

2, provident fund deposit certificate (or housing provident fund card);

3. Identity cards, household registration books and proof of marital status of the applicant and spouse;

4, where the unit normal deposit housing provident fund for more than one year (inclusive) of employees, must be normal deposit for more than six months (inclusive), and the monthly deposit of housing provident fund reached the minimum monthly deposit announced by the CMC;

5, workers in the purchase, construction, renovation, overhaul occupied housing behavior within five years (inclusive), can apply for housing loans;

6. If employees apply for loans for the first time and the second time, they need to pay a down payment of more than 20% (inclusive) of the purchase price;

7 have a stable economic income, good personal credit and the ability to repay the principal and interest of the loan.

Finally, the provident fund loan refers to the individual housing provident fund loan, which is a housing mortgage loan issued by the local housing provident fund management core, using the housing provident fund paid by employees who apply for provident fund loans, and entrusting commercial banks to the housing provident fund depositors who purchase, build, renovate and overhaul their own houses and the retired employees who paid the housing provident fund during their employment. According to the regulations, employees who have paid housing provident fund for more than a certain period of time can apply for provident fund loans when the funds for purchasing, building, renovating and overhauling their own houses are insufficient.

The calculation method of the loan amount is complicated, which is closely related to factors such as personal provident fund deposit, employees' age, family income, urban credit score, and the use times of provident fund loans.

The specific calculation formula is: the loan amount of housing provident fund = the balance of the borrower's husband and wife's housing provident fund account on the date of loan application × the estimated contribution of the borrower's husband and wife's housing provident fund from the date of loan application to the date of retirement × the adjustment coefficient.

Can I get a loan if the provident fund has no money?

Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.

The above contents are for your reference. Please refer to the actual business regulations.

Is there no balance in the provident fund loan?

Without the balance of the provident fund loan, you can borrow as long as you make a general loan. In one place, there is no balance of provident fund loans to lend. In one place, a general loan may mean that you can get it 2~3 times. As long as you have the money in this house, there is no balance to withdraw.

Can I get a loan if there is no balance in the provident fund account?

The balance of provident fund accounts in some areas needs to reach a certain amount, but applying for loans mainly depends on the number of years of continuous payment and the amount of deposit. Whether there is a balance in the provident fund account is not necessarily related to whether you can apply for a loan. For details, please refer to the local provident fund loan policy. "Measures for the Administration of Personal Housing Provident Fund Loans in Jinan City" Article 3 A borrower applying for housing provident fund loans must meet the following conditions at the same time: (1) He has stable economic income and loan repayment ability, and his personal credit status is good; (2) The borrower has continuously paid the housing provident fund in full at the time of loan for not less than the specified time, and has not incurred or fully paid off the housing provident fund loan; (3) Having a legal procurement contract or agreement; (4) The down payment of the purchased house that has been delivered shall not be lower than the specified proportion; (5) If it is agreed that the purchased house or other immovable property recognized by the provident fund can be used as collateral, or movable property or rights can be used as pledge, the unit that sells the purchased house shall provide installment loan guarantee for its purchase of new commercial housing loans.