2. The first loan amount shall not exceed 70% of the total house price, the second home loan amount shall not exceed 50% of the total house price, and the hardcover house loan amount shall not exceed 60% of the total house price;
3. The loan amount shall not exceed the comprehensive amount determined according to the deposit time and deposit balance of the provident fund.
The above is the maximum amount of personal provident fund loans.
How to increase the amount of provident fund loans
1. Increase the contribution of provident fund: increase the balance of provident fund. Provident fund loan amount is calculated according to the user's provident fund deposit amount and balance;
2. Maintain a good credit record: whether it is a personal provident fund loan or a commercial loan, it attaches great importance to the applicant's credit, and there must be no overdue record for personal credit investigation;
3. Apply for a husband-and-wife combination loan: The amount of the combination loan will be higher than that of one person, but if the husband and wife jointly borrow, both of them need to have a provident fund and both of them are paying;
4. Try not to withdraw the provident fund: this will not only prove that the applicant's economy is fine, but also increase the balance of the provident fund;
5. Provide strong repayment ability: For example, providing personal capital certificate and good personal income certificate can make borrowers feel that users have sufficient repayment ability.
How long does it usually take for provident fund loans to be released?
Generally speaking, the loan time of provident fund is within 1 month to 3 months, while the loan time of personal provident fund is relatively slow, and it usually takes several months to lend. Individuals applying for housing mortgage loans, different banks or different housing loans, the next payment time is different. However, most banks will issue provident fund loans only after the applicant successfully handles the transfer and obtains the real estate license. If users fail to apply for personal provident fund loans for a long time or are unwilling to wait, they can apply for commercial loans. This article is mainly about the maximum amount of personal provident fund loans, and the content is for reference only.