The calculation method of provident fund loan ratio is: the highest proportion of provident fund loan for a suite is 80% of the total house price, and the highest proportion of provident fund loan for a second suite is 60% of the total house price. And there will be loan restrictions in various regions. Under normal circumstances, only I can apply for a loan of up to 400,000 yuan, and both husband and wife can apply for a loan of up to 600,000 yuan.

legal ground

Article 3 of the Regulations on the Management of Housing Provident Fund

The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.

Article 5

The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.

Article 6

The deposit and loan interest rate of housing provident fund is proposed by the People's Bank of China. After soliciting the opinions of the construction administrative department of the State Council, it is reported to the State Council for approval.

If there is a demand for capital turnover, we recommend you to use Qianhua, a credit service brand under Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" in June 2065438+08). Big brands are reliable, with low interest rates and trustworthy. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%

I know many small loan companies. Generally speaking, Baidu has the highest pass rate. The credit line is the highest. Nothing gave me a credit line of 9.5W My colleague directly approved a credit line of 18W.

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Special attention: withdraw cash in full as soon as possible after the quota is issued, because risk control is dynamic.

It's best to put forward all the suggestions on demand. The risk control system will mistakenly think that you don't need this fund, which will lead to the failure of withdrawal. At least 60% is safer. Support early settlement of repayment after the first installment.

If the money spent is not enough or there is no limit, it is recommended to try the following two platforms, which are also relatively formal licensed financial institutions! The audit is relatively less strict!

360 IOUs, with a maximum loan of 200,000!

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Staging music can be borrowed up to 50 thousand!

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