1. If the amount you apply for in China Bank is 14 times the balance of the provident fund account, and the following conditions must be met:
1) The monthly repayment amount (calculated by equal principal and interest or average capital) shall not exceed 0% of the application, and * * * can be accumulated with the applicant's deposit base;
2) The amount of the provident fund loan shall not be higher than the difference between the total purchase price and the down payment.
3) Not higher than the maximum amount of a single housing provident fund loan. Individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan; The applicant and the same applicant who paid the housing provident fund in this city, the maximum amount of a single housing provident fund loan is 900,000 yuan.
4) The loanable amount of provident fund loans not calculated by multiple of the housing amount in Shen Nian can increase the limit, monthly supply capacity and total purchase price.
The calculation of the final loanable line is subject to the system calculation.
2. Due to the policies and requirements of the local housing provident fund management center for individual housing provident fund loans, you can consult the business outlets or the local provident fund management center.
The above contents are for your reference. Please refer to the business rules.
If you have any questions, please contact online customer service of Bank of China.
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Second, how much can the provident fund loan be borrowed?
First of all, answer directly.
Although there are about four ways to calculate the loan amount when borrowers apply for provident fund loans, housing provident fund centers in most areas calculate the loan amount according to the balance of borrowers' provident fund accounts.
Second, the specific analysis
The loan amount of the provident fund is 10- 15 times of the balance of the provident fund account, and most cities can reach 15 times. The balance of the provident fund account can be inquired through the SMS of monthly payment of the provident fund, or through Alipay and WeChat city service.
Borrowers can know the maximum loan amount of their provident fund as long as they can check their balance.
Assuming that the borrower's provident fund balance is 50,000 yuan, then according to the calculation, the maximum loan can be 750,000 yuan through the provident fund.
Of course, the above is only a theoretical calculation method.
Because according to the regulations, the maximum amount of application for provident fund loans in the name of individuals cannot exceed 600,000 yuan.
If the borrower is in the name of husband and wife, the maximum loanable amount is 6.5438+0.2 million yuan.
If the borrower is applying to buy a second home, the loan amount will drop a lot.
For example, if you buy the first suite in Wuhan, the maximum amount of provident fund loan is 700,000, and the maximum amount of second suite loan is 500,000.
Online loan big data can reflect the real situation of online loans. If there are too many loans, it is recommended to know your credit data well. Search: A quick search by Bejian can generate a big data report. Although there are differences between the two, in order to avoid personal inability to repay bad debts, bank loans will also pay attention to the credit situation of big data. Bad credit will affect many rights.
3. How many years can the provident fund loan be borrowed?
The longest loanable period of provident fund loans is 30 years. You can choose the loan term according to your actual situation within this range. If you can bear greater repayment pressure, choosing a loan with a shorter term can save you some interest expenses.
When applying for provident fund loans, the following conditions are also required to meet the requirements.
1, personal credit is good.
2. Personal income is stable.
3. The debt ratio is not high.
4. The status of the provident fund account is normal.
5. The balance of the provident fund account is sufficient.
6. The provident fund has been continuously deposited 12 months.
7. There is no outstanding provident fund loan in the name.
8. The down payment is paid according to the regulations.
The amount of provident fund loans is related to the balance of provident fund accounts. Under the premise of not exceeding the amount of provident fund loans, the more the balance of provident fund accounts, the more provident fund loans you can apply for. Therefore, in normal times, it is still not easy to withdraw funds from the provident fund account.
There will be some differences in provident fund loan policies in different regions. You can consult the local provident fund center first when you borrow money.
3. How much can I borrow from 500 yuan Provident Fund every month?
If you pay more than 500 yuan every month, you can generally borrow 300,000 yuan, 400,000 yuan if you have supplementary provident fund, and 800,000 yuan if you have a spouse who also pays provident fund.
1. The specified proportion (50%) of the borrower's salary base for calculating the monthly contribution of housing provident fund is 12 months of loan life; Term of the loan: for the purchase of a first-hand house, the longest term shall not exceed 30 years; The longest time to buy a second-hand house is 15 years, and the longest time is 5 years after the borrower retires legally.
2. The interest rate adjustment of provident fund loans shall be implemented in May 1 1, 2065438. The interest rate of provident fund loans for more than five years is 3.75%, the monthly interest rate is 3.75%/ 12, and the annual interest rate of provident fund loans for five years and less is 3.25%, which is consistent throughout the country.
Fourth, the latest policy 20 15 How much can I borrow from the housing provident fund loan?
The minimum down payment for provident fund loans can reach 20%, but the maximum loanable amount is different in different cities. I suggest you call the staff of the local provident fund management center!