How to calculate the loan amount of Dongguan provident fund?

The calculation formula of Dongguan provident fund loan amount: personal provident fund loan amount = personal provident fund account balance × (deposit time coefficient+income adjustment coefficient )× liquidity adjustment coefficient. The loan amount of provident fund is determined according to the lender's repayment ability, the proportion of house price and the balance of provident fund account, which means that the better the lender's reputation, the stronger the repayment ability means the higher the loan amount.

What is the relationship between the amount of provident fund loans and?

1, personal monthly income

The loan amount of housing provident fund will be affected by the income of the lender. If the monthly income is not enough, then the monthly payment cannot be carried out. The greater the monthly deposit, the greater the balance of the provident fund account and the greater the application amount. Therefore, whether using provident fund loans or commercial loans, we must ensure a stable monthly income and have enough money to repay the loan.

2, the proportion of provident fund deposit

Secondly, it will also be affected by the proportion of provident fund deposit, which will affect the monthly deposit. If the monthly deposit is low, the balance of the provident fund account will be low. However, at present, every region has regulations on the proportion of provident fund deposit, which will not be changed at will, generally around 8%.

3. Provident Fund account balance

The account balance of the provident fund will also affect the loan amount. The more the balance, the higher the loan amount, because the regulations on provident fund management stipulate that the maximum amount for applying for provident fund loans is several times the account balance. For example, in Shenzhen, the maximum loan amount is 14 times of the account balance, so the more the account balance, the higher the loan amount will be.

4. Personal credit

No matter which loan method you choose, personal credit will affect the loan. Usually, users with good personal credit will have a higher loan amount. For users with poor personal credit, the loan amount will be reduced, and even the bank will refuse the loan, so it is necessary to ensure good personal credit information.

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