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.
Internet hackers generally refer to those users who can't pay back on time or have bad behavior. It's easy to be classified as cyber hacking. You can check it in "Kingfisher Data".
Extended data:
How many years can provident fund loans 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.