How to inquire about the personal provident fund loan amount
1. Users only need to bring their personal identification documents to the counter of the provident fund management center to handle the relevant inquiry business. If you entrust someone else to help you with the inquiry, you need to carry not only the ID card of the loan user, but also the entrusted inquiry certificate issued by the user and the ID card of the client;
2. Users can directly log in to official website, the personal provident fund management center, and input relevant information to inquire about the amount of provident fund loans;
3. Users can also directly call the provident fund hotline or call the local provident fund management center to inquire about the amount of provident fund loans;
4. Users can also view directly through the third-party platform to find the corresponding service program, and then enter the provident fund account number and ID number to view it.
that's how to check the relevant contents of provident fund loan amount.
loan conditions of provident fund
1. Personal provident fund has been paid in full and on time for six months or more;
2. The personal provident fund account is in a normal deposit and payment state;
3. No personal provident fund loan has been made in the name or the loan has been settled (the provident fund loan can only be made twice at most, and the previous one must be paid off before re-applying);
4. Personal credit is good, and there is no bad credit record in the personal credit report;
5. Have a stable and legal income and the ability to repay the loan on time.
Generally, the personal provident fund deposited and paid locally can be used for loans to buy local houses. Naturally, some cities allow cross-regional purchases. Users can go to the provident fund deposit place and the provident fund management center where they buy a house to apply for off-site provident fund loans.
What are the advantages of provident fund loans
1. The annual interest rate of loans is lower: provident fund loans are significantly lower than commercial loans in the benchmark interest rate of loans issued by the central bank;
2. Low down payment: the down payment for commercial loans should be at least 3%, while the down payment for provident fund loans should be at least 2%. Relatively speaking, the down payment pressure borne by users is relatively small.
This article is mainly about how to check the relevant knowledge points of provident fund loan amount, and the content is for reference only.
how can I know how much I can borrow from my provident fund?
how can I check the loan amount of my provident fund? If you want to find out how much the provident fund can borrow, you can refer to the following ways:
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, so that the staff can find out the loan amount.
2. Customers can also pay attention to the WeChat WeChat official account query of the local housing provident fund management center, and they can also query it on Alipay. Of course, they can also choose to directly call the customer service hotline of the local housing provident fund management center to consult the customer service staff.
3. You can also refer to the following calculation formula:
Loan amount of provident fund = (total monthly salary of the borrower, monthly contribution of 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 all employees who have paid in the housing provident fund at no less than the specified normal proportion (5%-12%). The loan limit is determined according to their repayment ability, and the calculation formula is: the sum of the monthly payment bases of the borrowers' housing provident fund ×4%×12 (months )× loan period (years). 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 2 years, which is not beyond the statutory retirement age.
upon verification, if you are eligible to apply for provident fund loan, the maximum loanable amount is 3, yuan and the longest loanable period is 2 years.
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How can I find out the loan amount of my provident fund?
if you need to apply for a personal housing provident fund loan, the policies and requirements of housing provident fund management centers in different places are different. Please consult the local business outlets of BOC or the provident fund management center for specific information.
the above contents are for your reference. please refer to the actual business regulations.
inquiry table of provident fund loan amount
There are many ways to calculate the amount of provident fund, which can be calculated according to the value of the house purchased by the borrower, or according to the maximum amount of provident fund loan, and the final loan amount is different in different calculation methods. Calculation method of house value: loan amount = loan proportion of total house value. Generally speaking, the house area is over 9 square meters, the loan amount does not exceed 7% of the house value, and the loan amount does not exceed 8% of the house value if the building area is below 9 square meters. Calculation method of the maximum loan: if the user uses the provident fund to make a loan, the maximum loan amount is generally 5, yuan. If both husband and wife have provident fund, then the maximum loan amount of the provident fund is 7, yuan.
Legal basis
Regulations on the Management of Housing Provident Fund
Employees can withdraw the storage balance in the housing provident fund account under any of the following circumstances: 1. Purchase, build, rebuild or overhaul their own houses; 2. Retired; 3, completely lose the ability to work, and terminate the labor relationship with the unit; 4. Leaving the country to settle down; 5. Repaying the principal and interest of the owner-occupied housing loan; 6. renting a house for self-occupation; (Employees and their spouses have no own housing in Beijing and rent public rental housing or commercial housing, so they can withdraw their housing accumulation fund to pay the rent. ) 7, life is difficult, is receiving the urban minimum living allowance; 8. Encountering unexpected events, causing serious difficulties in family life; 9, migrant workers, and the unit to terminate the labor relationship; 1. Being sentenced, sentenced or reached the national statutory retirement age at the expiration of his term of office; 11. Dead or declared dead; If the employee withdraws the housing provident fund in accordance with Article 4 (1), (5), (6), (7) and (8) of these Measures, the spouse may also withdraw the housing provident fund from his account.
Warm reminder
The above answers are only based on the current information and my understanding of the law. Please refer to them carefully!
if you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.