Can I get a loan if my provident fund amount is relatively small?

You can get a loan if your provident fund balance is small, but the loan amount may be smaller.

Legal Analysis

If the flow rate is far lower than the minimum flow rate to ensure accuracy, it will result in no output (such as a vortex flowmeter) or the output signal will be cut off as a small signal. (such as differential pressure flowmeter), this is unfavorable to the supplier and unfair. In order to prevent the loss of benefits, for a specific set of heat energy metering equipment, the supply and demand parties often agree on a certain flow value as the "agreed lower limit flow" based on the flow measurement range and the reachable range, and agree that if the actual flow is less than the agreed value , charged according to the lower limit of charging traffic. The metrological administrative departments of the people's governments at or above the county level may set up metrological verification institutions as needed, or authorize metrological verification institutions of other units to perform compulsory verification and other verification and testing tasks. Personnel who perform the calibration and testing tasks specified in the preceding paragraph must pass the assessment. This function is usually implemented in flow display instruments. The metrological administrative department of the local people's government at or above the county level shall establish public measuring standard instruments according to the needs of the region, and they shall be used after passing the assessment conducted by the metrological administrative department of the people's government at the higher level. Enterprises and public institutions may, according to their needs, establish measurement standard instruments for their own use. Their highest measurement standard instruments shall be used after passing the assessment conducted by the measurement administrative department of the relevant people's government. Metrological verification work should be carried out locally and nearby in accordance with the principle of economic and reasonableness. Metrology verification must be carried out in accordance with the National Metrology Verification System Table. The National Metrology Verification System Table is formulated by the metrological administrative department of the State Council.

Legal Basis

"Regulations on the Administration of Housing Provident Funds"

Article 2 These Regulations shall apply to the payment and deposit of housing provident funds within the territory of the People's Republic of China and the People's Republic of China. Extraction, use, management and supervision. The term “housing provident fund” as mentioned in these regulations refers to state agencies, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social groups (hereinafter collectively referred to as units) and their employees Contributions to long-term housing savings.

Article 3 The housing provident fund paid by individual employees and the housing provident fund paid by the employee's unit for the employee shall belong to the individual employee.

Can I get a loan if there is no balance in the provident fund account?

Some areas require the provident fund account balance to reach a certain amount, but applying for a loan mainly depends on the continuous payment period and deposit amount, and whether there is any balance in the provident fund account. The balance is not necessarily related to whether you can apply for a loan. For details, you need to refer to the local provident fund loan policy. Article 3 of the "Jinan Individual Housing Provident Fund Loan Management Measures" Borrowers applying for housing provident fund loans must meet the following conditions: (1) have stable economic income and loan repayment ability, and good personal credit status; (2) the borrower has to loan The housing provident fund has been paid in full and continuously for no less than the specified period, and the housing provident fund loan has not been incurred or has been paid off in full; (3) There is a legal house purchase contract or agreement; (4) The down payment for the purchased house has been delivered and is not low. within the prescribed ratio; (5) Agree and be able to use the purchased house or other real estate recognized by the provident fund as a mortgage, or use chattels or rights as pledge. For loans to purchase newly built commercial housing, the sales unit of the purchased house should provide a phased loan guarantee. .

Can I get a loan if I don’t have any money in the provident fund?

Because there are differences in the policies and requirements of housing provident fund management centers in different regions for personal housing provident fund loans, please contact your provident fund loan business manager for details. Contact the local provident fund management center or contact the local provident fund management center.

The above content is for your reference, please refer to actual business regulations.

Can I get a loan if I don’t have a provident fund loan balance?

For 3 times, as long as you have enough money for the house and there is no balance, you can take it again

What should I do if I want to get a loan but the balance in my provident fund account is insufficient

Housing provident fund employees If it is found that the provident fund balance is insufficient when taking out a loan, you can make a supplementary payment. However, the procedure for making up the provident fund is not handled by a private person, but must be handled through the employee unit. The specific process is as follows: the party concerned submits an application for supplementary payment to the unit, and the unit issues a supplementary payment certificate. Please provide the payment instructions and go directly to the housing provident fund bank branch or branch center together with the "Housing Provident Fund (Additional) Payment Form" and other materials to handle the additional payment procedures. It should be noted that the amount of back payment exceeding 10,000 yuan must be approved by the Housing Provident Fund Management Center or a sub-center. At the same time, the provident fund paid by the party will also be transferred to the Housing Provident Fund Management Center through transfer by the party's unit. account.

Provident fund:

1. Provident fund, usually refers to housing provident fund, sometimes also refers to company provident fund. The housing provident fund refers to the long-term housing savings deposited by state agencies, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social groups and their employees.

2. Since July 1, 2017, all housing provident fund off-site transfer and continuation services can be handled through the "National Housing Provident Fund Off-site Transfer and Continuation Platform." Gradually realize "accounts follow people and money follows accounts". At the same time, we vigorously promote off-site loan services to meet the capital needs of deposited employees to purchase housing across regions.

3. On February 18, 2016, according to the "Notice on Improving the Formation Mechanism of Deposit Interest Rates in Employees' Housing Provident Fund Accounts" by the Central Bank, the Ministry of Housing and Urban-Rural Development, and the Ministry of Finance, starting from February 21, deposits in employee housing provident fund accounts The interest rate will be adjusted from the current benchmark interest rate for demand deposits and three-month deposits based on the collection time to a unified benchmark interest rate for one-year time deposits.