The amount of the provident fund loan is related to the balance in the provident fund account, the upper limit of the local provident fund loan amount, the down payment ratio, the housing appraisal price, the housing area, the deposit base and the deposit time.

Second, the specific analysis

Because different regions have different ways to calculate the loan amount of provident fund, please refer to the specific loan amount informed by the local provident fund center.

Compared with couples applying for provident fund loans, the loan amount for two people applying for provident fund loans will be higher.

In addition, when the provident fund loan amount reaches the upper limit, the mortgage amount is insufficient, and users can choose to apply for a portfolio loan.

Portfolio loan is to apply for provident fund loans and commercial loans at the same time, and the insufficient part of provident fund loans is made up by commercial loans.

Because the provident fund loan is affected by the account balance, it is not recommended to withdraw the provident fund before the loan when the user has loan demand.

And has successfully applied for provident fund loans, then users can handle the provident fund withdrawal business normally.

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Third, how to withdraw the provident fund for decoration?

Housing provident fund cannot be withdrawn from renovation. It should be noted that although the provident fund mentioned in the Regulations on the Administration of Housing Provident Fund points out that the provident fund can be used to purchase, build, renovate and overhaul occupied houses, overhaul and decoration are actually not the same meaning.

Overhaul refers to a kind of house reinforcement and repair behavior that needs to affect or dismantle some main components of the house, but does not need to dismantle all the houses.

And decoration refers to the decorative behavior on the surface of the original house structure and the decorative behavior inside the house.

Therefore, the decoration is not within the scope of the provident fund, and even if the employee has applied for the provident fund, it cannot be used for decoration.

If there is not enough money to decorate the house, it is recommended to apply for a decoration loan directly from the bank. As long as you can prove that you have good personal credit and the ability to repay the principal and interest of the loan on time, it is not difficult to apply for a decoration loan.

After the provident fund is withdrawn, employees can use it to repay the principal and interest of housing loans in addition to buying, building, renovating and overhauling their own houses.

As well as families enjoying the minimum living guarantee or due to major accidents, diseases and other reasons, can be used to subsidize families, and households without houses can be used to pay rent beyond the prescribed proportion of family income.