Under normal circumstances, the more the provident fund is paid, the more the account balance is, the more the loan amount is increased, and the longer the loan term is. However, in some cases, this is not the case. In some special cases, the amount of provident fund deposit is too much, and the loan amount and loan period will also shrink. What's going on here? The troubles of happiness are generally only linked to high-income people. If the proportion of provident fund deposit is too high, their loan amount, repayment amount and loan term will shrink accordingly. If your monthly income is more than three times the average salary, the monthly payment for using provident fund loans must exceed 50% of the family's monthly income before the provident fund center can withdraw funds for the next loan as soon as possible. If the monthly contribution of your provident fund exceeds the upper limit of your city, for example, Beijing stipulates that the upper limit of contribution for 20 16 years is 5 102 yuan. If your contribution exceeds this ceiling, the loan period must also be shortened. There are three main reasons for this provision: 1, provident fund loans are welfare loans, which should first meet the needs of those who need housing most; 2. Provident fund funds come from the broad masses of employees and should cover as many people as possible. The high income of provident fund loan funds is too high and too long, which has an impact on coverage; 3. For high-income people, the low interest rate of the provident fund has actually become one of the channels for low-cost investment, and this "icing on the cake" runs counter to the original intention of the provident fund design-giving charcoal in the snow. What determines the amount and duration of provident fund loans? The loan amount of common provident fund is affected by the remaining mortgage period of the house, the credit rating of the loan applicant, the balance of the provident fund account, the deposit period, the purchase policy and other factors. The remaining mortgage period mainly refers to second-hand houses. The remaining mortgage period of old houses is relatively short, which also has an impact on the loan amount. Banks don't like second-hand houses that are over 20 years old. The credit rating of the loan applicant will also affect the loan amount, and some cities have exceeded the loan amount for buyers with good credit. The balance of the provident fund account and the deposit period are also important reference values. As long as it does not exceed the monthly deposit limit, generally speaking, the more the balance, the longer the deposit time and the higher the loan amount. The purchase policy is also a part that cannot be ignored. Beijing stipulates that the maximum loan for the first suite is 1.2 million, but the second suite can only borrow 800,000. It should be noted that the final loan amount is the smallest among all loan amounts determined by conditions. For example, if you buy a suite in Beijing, the credit is AAA, and the personal loan amount should be 654.38+0.2 million. However, because it is a second suite, the policy stipulates that it can only borrow 800,000 yuan, and because the house is an old house, the bank's evaluation price is only 6.5438+0 million yuan. According to the requirement of 50% down payment for the second suite, only 50% of the house value can be loaned, and the final loan amount is only 500,000. In addition to the special situation that the loan life of high-income people is shrinking, the age of the house, the loan amount, the monthly payment ability and the credit status will also affect the loan life. How to increase the amount of provident fund loans? 1, with higher returns. Undoubtedly, high income means higher monthly payment, more balance of provident fund account, and more possibility of applying for higher quota. 2. Maintain a good credit Good credit is an intangible asset, and the provident fund center will determine the loan amount according to the credit rating. Don't leave a stain on the use of credit cards and various public charges. Don't touch the provident fund unless there are special circumstances. Although the provident fund is basically depreciating, if you plan to buy a house, it is better not to move the money inside. The amount of provident fund loans is directly linked to the account balance. 4. You can get more support when you buy a house for the first time. The provident fund itself is just needed. Buying a house for the first time usually leads to a higher quota. If both husband and wife have no loan records, then the support of provident fund should be the greatest.

Legal objectivity:

Measures for the Administration of Entrusted Loans of Commercial Banks Article 3 Entrusted loans as mentioned in these Measures refer to loans provided by customers, issued, supervised and recovered by commercial banks (trustees) according to the borrower, purpose, amount, currency, term and interest rate determined by customers, excluding entrusted loans for cash management and entrusted loans for housing provident fund. The principal refers to the legal person, unincorporated organization, individual industrial and commercial households and natural persons with full civil capacity who provide entrusted loan funds. Entrusted loan under cash management refers to the collection and transfer of funds between independent legal persons within an enterprise group, which is provided by commercial banks in the form of entrusted loans in cash management services. Entrusted loans under housing provident fund refer to personal housing consumption loans and loans for affordable housing construction projects entrusted by commercial banks with housing provident fund as the source of funds.