How to check the provident fund loan limit? What are the methods?
How to check the provident fund loan limit? If you want to check how much provident fund loan you can get, you can refer to the following methods:
1. You can bring your provident fund card and your With your ID card, go to the provident fund service hall and show your ID card and provident fund card to the counter staff, and the staff can check the loan amount.
2. Customers can also follow the WeChat public account of the local housing provident fund management center for inquiries. They can also inquire 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:
Provident fund loan amount = (borrower’s total monthly salary monthly housing provident fund deposit amount of the borrower’s unit) × loan repayment ability coefficient - The total monthly repayment of the borrower's existing loan × loan term (months).
Provident Fund Loan Quantity Inquiry
Provident Fund and commercial loans are two commonly used methods of home purchase loans. The expected annualized interest rate and term of the loan are different. Applicants need to consider their personal circumstances. Choose a loan method. Before applying for a provident fund loan, you need to know how much loan you can get. The inquiry entry is as follows:
Loan conditions:
The total provident fund deposited by the borrower and his family members should be at least the amount of the new purchase and construction fund. (Major repair) 20% of housing expenses; the lender has stable economic income and the ability to repay principal and interest; the borrower agrees to apply for insurance for housing mortgage registration; provide a guarantee method agreed by the local housing fund management center and its branch center; and submit bank requirements at the same time Relevant documents, such as house purchase contract or house pre-sale contract, house property ownership certificate, land use certificate, proof of provident fund deposit, etc.
Loan amount:
Loan amount calculated based on loan repayment ability
The calculation formula is:
[(Borrower’s total monthly salary The monthly payment amount of the housing provident fund of the borrower's unit) × loan repayment ability coefficient - the total monthly repayment of the borrower's existing loan] × loan term (months).
According to the spouse’s quota
[(the total monthly salary of both spouses, the monthly housing provident fund deposit amount of the employer where both spouses work)×the loan repayment ability coefficient - the monthly repayment of existing loans of both spouses Total amount] × loan term (months).
The loan repayment ability coefficient is 40
Total monthly salary = monthly provident fund payment ÷ (unit contribution ratio individual contribution ratio).
Loan amount calculated based on the house price
The calculation formula is: loan amount = house price × loan ratio
Loan amount calculated based on the maximum loan limit
If you use your own housing provident fund to apply for a housing provident fund loan, the maximum loan limit is 400,000 yuan; if you use your spouse’s housing provident fund to apply for a housing provident fund loan, the maximum loan limit is 600,000 yuan. If you use your own housing provident fund to apply for a housing provident fund loan, and you make normal deposits to supplement the housing provident fund when applying for a loan, the maximum loan limit is 500,000 yuan; if you use your spouse's housing provident fund to apply for a housing provident fund loan, and you or your spouse make normal deposits when applying for a loan To supplement the housing provident fund, the maximum loan limit is 700,000 yuan.
How to check the provident fund loan limit
1. Lenders who want to check their provident fund loan limit can check it through the local provident fund management center. Generally speaking, the official check is more accurate (the data is for reference only), because the Provident Fund Management Center will not only look at your loan qualifications on the one hand, but also your income and credit on the other hand.
2. Specific query methods, taking Chengdu as an example:
1. The first step is to open any browser (Baidu, Sohu, Quark, 360), etc., and log in to the local Provident Fund Management Center official website (search Chengdu Housing Provident Fund Management Center online)
2. The second step is to log in to your account and enter your account password to check your personal provident fund deposits and balances. Condition.
3. The third step is to click on the page to return to the homepage of the Provident Fund Management Center. There is a "Loan Calculator" under the "Convenient Services" column. We click to enter.
4. In the fourth step, we fill in the corresponding housing loan and provident fund information and click "Query".
5. The results will be returned below, and we can see how much of our provident fund can be borrowed. Although Chengdu is taken as an example, the inquiry methods in other cities are similar. All inquiries can be made through the official website of the local housing provident fund management center.
Conditions for provident fund loans:
1. The borrower needs to have a permanent urban residence or valid residence status in this city;
2. Counting forward from the application date, The housing provident fund must be paid in full for more than 12 months continuously (if a couple both pays the provident fund, only one person is allowed to take out a loan);
3. A contract for purchasing, building, or overhauling a self-occupied house that complies with legal requirements is required. (Agreement) and related materials;
4. Have a certain proportion of self-raised funds. To purchase commercial housing or affordable housing, the self-raised funds shall not be less than 20% of the total house price (for those purchasing second-hand houses or building or overhauling houses, the self-raised funds shall not be less than 30% of the total house price);
5 . The lender has stable economic income and the ability to repay the principal and interest of the loan (monthly income certificate issued by the employer);
6. Agree to use the purchased house or self-owned house with full property rights or a third party The person's house may be used as a mortgage, or securities or bank certificates of deposit recognized by the lending bank may be used as a pledge, or a legal person, organization or third party recognized by the lending bank may provide a guarantee.
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How to check the personal provident fund loan limit
How to check the provident fund loan amount
Published time: 2020-11-1323:40:20
Author: xuling
Source: real estate network
33899 views
Article summary: When applying for a housing provident fund loan, home buyers may know the loan limit they can apply for, so they will inquire. So how to check the provident fund loan limit?
You can inquire through the official website of the local housing provident fund, or you can bring your own identity documents to the counter of the service hall of the local housing provident fund management center or the touch screen inquiry machine. Or you can go to the branch of the bank where you open your provident fund account with your provident fund co-branded card, or inquire via the voice telephone number provided by the provident fund management center.
Materials required for provident fund loans:
1. Municipal provident fund loans: lender’s ID card, household register, house purchase contract, academic certificate or professional title certificate, marriage certificate (married persons Marriage certificate is required; divorced persons need to provide marriage certificate or divorce agreement; widows need to provide death certificate), and down payment invoice.
2. State-managed provident fund loan: Lender’s ID card, household register, house purchase contract, borrower’s application form, down payment invoice, and if it is an off-plan house, an “Online Filing Form” is also required.
Notes on housing provident fund loans
1. Bad bank credit
If your credit report is overdue, you will be considered to have problems with your credit. , the Provident Fund Loan Management Center will not easily lend money to such people.
2. Suspension of provident fund payments
Many places stipulate that using provident fund loans to buy a house must be paid continuously for more than 6 months before you can get a loan. Therefore, even if you plan to change jobs, you must continue to pay the provident fund. Even if you get a loan, you must continue to pay. Otherwise, according to relevant regulations, the Housing Provident Fund Management Center will order you to make up for the housing provident fund you owe. During the loan period, you must pay in full every month. live.
3. The applicant’s responsibility rate is too high
If the borrower’s responsibility rate exceeds 50% of the total personal or family income, the Provident Fund Loan Center will consider that the applicant does not have the ability to repay the loan. , the provident fund loan will not be approved.
4. The applicant has too many credit cards
Credit cards are over-advance consumption. If the applicant has too many credit cards and each consumption is not settled, it will also affect the provident fund loan.
5. Number of provident fund loans
In fact, the average family can only use provident fund loans twice. If you have used provident fund loans twice, you will no longer get provident fund loans.
How to check the amount of loan available from my provident fund?
If you need to apply for a personal housing provident fund loan, since the policies and requirements for personal housing provident fund loans vary between local housing provident fund management centers, please consult the local business outlets of Bank of China or the provident fund management center for specific information. .
The above content is for your reference, please refer to actual business regulations.
Which department should go to check the provident fund loan limit? How to check the provident fund loan limit
If you want to check the provident fund loan limit, customers can directly call the staff of the local housing provident fund management center; or You can also go to the management center branch and ask the counter staff.
Everyone needs to note that there are also restrictions on the maximum amount of provident fund loans in various places. For example, the maximum loan limit in Changsha is 600,000. It’s not that customers can borrow as much as they want.
In addition, the provident fund loan limit may also be related to the balance of the customer's provident fund account, which is usually a multiple (the rules may be different in different places, such as in Changsha: employees The amount of personal housing provident fund loan a family applies for is 15 times the sum of the balances in the housing provident fund accounts of both spouses).
If you refer to the loan repayment ability coefficient, the formula is: provident fund loan amount = [(borrower's total monthly salary monthly housing provident fund deposit amount of the borrower's unit) × loan repayment ability coefficient - borrower's existing Total monthly loan repayment]×loan period (months), the customer can also calculate the amount according to the formula.