1. Positive answer

You cannot deposit money into your own provident fund account, because the deposits in the provident fund account can only be paid through the unit, and the provident fund account is not only related to employee wages The benefits are also closely related to the provident fund payment ratio, so you cannot remit money directly to the provident fund account. The details are as follows.

2. Specific analysis

1. Under normal circumstances, provident funds cannot be deposited by oneself, because employees cannot pay provident funds themselves, and can only pay for provident funds through their work units and themselves. You can pay the provident fund at the same time. The provident fund after payment will enter the employee's personal provident fund deposit account. At that time, you can apply for a mortgage based on the balance in the provident fund. It is worth mentioning that when employees pay the provident fund, they directly use the monthly salary. Deducted.

2. The provident fund account limit can only be paid after the salary standard of the local staff and the agreement of the unit are approved, and the limit is divided into the individual provident fund account, and then the provident fund withdrawal application is submitted by myself. , can it be transferred from the provident fund account to the personal bank account.

The above content is a detailed answer to the question of whether you can deposit money into a provident fund account by yourself. I believe that after reading this, you will have a certain understanding of this. I hope this answer can help you solve problems in your life.

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3. How to calculate how much money you can borrow from your provident fund?

If you want to know how much housing provident fund you have paid to apply for a provident fund loan, it is recommended to call the staff of the local housing provident fund management center first. After all, the regulations vary in different regions. .

For example, in Wuhan, the loan amount = the borrower’s provident fund deposit balance × 20 times × the payment time factor (if a husband and wife apply together, the provident fund deposit balance of both parties must be calculated).

In Shenzhen, it is 14 times the sum of the deposit balances of the housing provident fund accounts of the borrower and the same borrower.

If calculated based on the monthly payment and deposit of provident fund, the calculation formula is: loan amount = [(borrower’s total monthly salary + monthly payment and deposit of housing provident fund of the borrower’s unit) × loan repayment ability coefficient ( 40%) - total monthly repayment of the borrower's existing loan] × loan term (months).

The more housing provident funds you pay, the more loans you can get.

Of course, the loan amount is also related to factors such as the value of the house and comprehensive credit status.