After the loan amount of provident fund is increased, if the user is still in the application stage of provident fund loan and has not signed a loan contract, he can modify the loan amount at this time and resubmit the loan application. However, the provident fund loan contract has been signed, and the subsequent users' provident fund loan amount has increased, and users cannot modify the loan amount. Regarding the question of whether the amount of provident fund loans can be changed after the increase, let me give you a detailed answer.

1. Can the loan amount of provident fund be changed after upgrading?

1. After the increase of the provident fund loan amount, if the user is still in the application stage of provident fund loan and has not signed a loan contract, he can modify the loan amount and resubmit the loan application. However, the provident fund loan contract has been signed, and the amount of provident fund loans for subsequent users has increased. Users can't modify the loan amount, only the amount agreed in the loan contract shall prevail.

2. Users must determine the loan amount they need before applying for provident fund loans. If the current loan amount is low, you can apply for a provident fund loan after the loan amount is increased. During the loan application period, the user can choose to cancel the application and resubmit the application, but the loan contract has been signed, and if the user wants to cancel the contract, he needs to pay a certain penalty.

3. Provident fund loan amount is divided into personal loan amount and husband-and-wife loan amount. Both husband and wife apply for provident fund loans, and the upper limit of loan amount is higher than that of individuals applying for provident fund loans. If you want a higher loan amount, it is recommended that both husband and wife apply for provident fund loans.

Second, the provident fund loan process

1. Calculate the loan amount and term.

Employees applying for provident fund loans can consult and handle through developers, loan undertaking banks or housing provident fund.

Step 2 apply for a loan

When purchasing a house, employees must apply for a loan from the provident fund loan undertaking bank, provide a copy of the above-mentioned required materials and bring the original for inspection.

Step 3 sign a contract

After the loan application is approved, sign the loan contract at the provident fund service hall as required.

Step 4 go through the formalities

Handle the purchase transaction and mortgage registration procedures.

5. Bank loans

After completing the mortgage formalities, the loan undertaking bank will lend money to the applicant according to the loan contract, and the funds will be directly transferred to the account designated by the developer.