As there are differences in policies and requirements of individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the China Bank outlets that handle provident fund loans or the local provident fund management centers.
The above contents are for your reference. Please refer to the actual business regulations.
How do I know how much I can borrow from my provident fund?
How to inquire about the loan amount of provident fund? Want to know how much the provident fund can borrow, you can refer to the following channels:
1. You can bring your provident fund card and my ID card to the provident fund service hall and show them to the counter staff, who can check the loan amount.
2. Customers can also pay attention to the official account inquiry of WeChat in the local housing provident fund management center, or they can inquire on Alipay. Of course, they can also choose to call the customer service hotline of the local housing provident fund management center directly to consult the customer service staff.
3. You can also refer to the following calculation formula:
Provident fund loan amount = (total monthly salary of the borrower, monthly contribution of the housing provident fund of the borrower's unit) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan × loan period (month).
Employees who have paid in the normal proportion of the unit apply for provident fund loans, and the borrowers are employees who have paid in the housing provident fund according to the specified normal proportion (5%- 12%). The loan limit is determined according to the repayment ability, and the calculation formula is: the sum of the monthly deposit bases of the borrower's housing provident fund ×40%× 12 (month )× loan period (year). The sum of monthly deposit bases is the deposit base of employee provident fund account when applying for provident fund loan.
The longest loan period is 20 years, not exceeding the statutory retirement age.
According to the verified information, if an individual meets the conditions for applying for provident fund loans, the maximum loanable amount is 300,000 yuan and the longest loanable period is 20 years.
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How to inquire about the loan amount of provident fund?
Inquiry method of provident fund loan amount:
1. Search the local provident fund center on the computer, and then you can enter the query;
2. You can go to the office of the provident fund center or the bank counter to inquire;
3. You can check it on Alipay. After opening Alipay, select City Service, and then select Government Affairs. You can see the provident fund query and log in to the account.
4. Similarly, you can check the provident fund information on the city service of WeChat, and you also need to log in to your account.