To apply for provident fund loans, the provisions on the balance of the applicant's housing provident fund account are as follows:

1. The housing provident fund account must have deposits for more than six months (inclusive).

2. There are no specific restrictions on the balance of the housing provident fund account. It is not accurate to say that the balance of online housing provident fund account must reach more than 10 thousand before loans can be made. As long as the first requirement is met in most areas, loans can be made even if the balance of the housing provident fund account is less than 1 10,000 (specifically, according to the regulations of the local housing provident fund management center, telephone consultation is enough).

In addition, the conditions for provident fund loans are:

1. The housing provident fund account in the month of application must be in a normal state (if the housing provident fund account is sealed, the housing provident fund loan cannot be processed temporarily).

2. The applicant has never applied for a provident fund loan or the loan has been settled (if you have applied for a provident fund loan once, you need to pay off the loan before you can apply for a new provident fund loan; Those who have applied for provident fund loans twice, regardless of whether the loans are settled, can not apply for new provident fund loans.

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How much balance should I leave when withdrawing the provident fund loan?

As long as it is not the provident fund withdrawn by retirement or cancellation, it will not be withdrawn at one time. General individual provident fund accounts will retain the balance of 1000 yuan.

How much should I leave in the Hangzhou Provident Fund account to get a loan of 6,543.8+0,000 yuan?

The loan of 654.38+0 million is not only related to the money retained in the account.

The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower.

Hangzhou housing provident fund loan amount: 1, and the average monthly balance of the provident fund account × multiple.

2. The maximum personal loan is 500,000 yuan, and the maximum loan for husband and wife is 6,543.8+0,000 yuan.

3. The minimum loan is 6.5438+0.5 million, that is, the loanable amount is 6.5438+0.5 million (500,000 individuals), and the loanable amount below 6.5438+0.5 million is 6.5438+0.5 million. This is the calculation result.

What is the minimum amount left in the provident fund prepayment account?

After the provident fund loan, at least 100 yuan should be kept in the provident fund account. Once the provident fund loan is completed, you can withdraw the provident fund from the provident fund center with a mortgage amount of no more than 12 months.

First, withdraw the balance that needs to be left in the provident fund.

Under different circumstances, the balance of the provident fund to be retained is different: renting a house: you can withdraw half of the deposit in the current month and keep 50% of the deposit in the current month. The annual withdrawal amount cannot exceed the withdrawal amount of 12 months; House purchase, decoration and renovation: the withdrawal amount shall not exceed the expenses required for house purchase, decoration and renovation, and shall not exceed the balance of the provident fund account. If I and my family own two or more houses, the remaining balance of the provident fund shall not be less than 40%; Mortgage repayment: if I and my family only have one house, the withdrawal amount cannot exceed the deposit amount of last month; If my family and I have two or more houses, I can withdraw 60% of the monthly deposit, and I need to keep 40% of the monthly deposit.

Second, the housing provident fund account inquiry is its own part.

The balance found in the housing provident fund account is the same as that paid by companies and individuals. Withdrawing housing provident fund means withdrawing all housing provident fund, and the part that branches and individuals do not pay belongs to employees. According to Article 3 of the Regulations on the Management of Housing Provident Fund, the housing provident fund paid by individual employees and the housing provident fund paid by the employee's unit for employees belong to individual employees. Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes. Article 6 The deposit and loan interest rate of housing provident fund shall be proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council.

Workers and units have objections to the storage balance in the housing provident fund account, and may apply to the entrusted bank for review; If there is any objection to the results of the review, you may apply to the housing provident fund management center for review. The entrusted bank and housing provident fund management center shall give a written reply within 5 days from the date of receiving the application. Workers have the right to expose, report and accuse the misappropriation of housing provident fund.

How much balance does the provident fund loan need?

Provident fund loans require continuous payment in the account for 6 months or more. For example, the monthly deposit of the provident fund is 1 1,000 yuan, and the balance of the provident fund loan account must be 6,000 yuan to meet the primary conditions of the provident fund loan. Provident fund is a kind of housing savings. Employees who pay the provident fund can make provident fund loans when buying, decorating and building houses, and the monthly payment is convenient and affordable. The balance of the provident fund account is closely related to the loan amount. Usually, the more the account balance, the higher the loan amount you can apply for. For example, if you buy a new house, the amount of the provident fund loan can reach 20 times of the account balance. The amount of provident fund loan for purchasing second-hand houses can reach 10 times of the account balance. Of course, the loan amount is not unlimited. Different regions have the maximum amount of provident fund loans, which is subject to local policies.

Provident fund loans are not owned by everyone, and the following five conditions need to be met at the same time:

First, only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

Two, to participate in the housing provident fund system to apply for housing provident fund personal housing loans must be met at the same time, to apply for loans before the continuous deposit of housing provident fund for not less than six months.

Three, one of the spouses has applied for housing provident fund loans, before the principal and interest of the loan is paid off, neither spouse may obtain housing provident fund loans.

Four, the loan applicant in the application for housing provident fund loans, in addition to a relatively stable economic income and the ability to repay loans, there are no other outstanding debts that may affect their ability to repay housing provident fund loans.

Five, provident fund loans for a period of not more than 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

The new rules for provident fund loans stipulate that:

1. According to the new policy (20 14, 1 1), the target of housing provident fund loans is paid-in employees who buy the first set of self-occupied housing or the second set of improved ordinary self-occupied housing, and it is not allowed to issue housing provident fund personal housing loans to the families of paid-in employees who buy the third and above houses. 20 10 Relevant departments issued a document requesting the implementation of the housing provident fund loan policy of supporting the first set, restricting the second set and prohibiting the third set.

2. A city divided into districts with a housing provident fund personal housing loan issuance rate of less than 85% may appropriately increase the first set of self-occupied housing loans according to the local commodity housing price and per capita housing area. Zhang, director of the Housing Provident Fund Supervision Department of the Ministry of Housing and Urban-Rural Development, said that the loan amount of housing provident fund is an important factor affecting the mutual assistance of the system. Appropriately increasing the loan amount of the first set of self-occupied housing reflects the principle that the housing provident fund system supports basic housing consumption and makes full use of funds.

3. All localities should realize mutual recognition and transfer of housing provident fund deposit in different places, and promote the loan business in different places, that is, employees can apply for individual housing loans of housing provident fund to the housing provident fund management center where their household registration is located with the deposit certificate issued by the housing provident fund management center in their place of employment.

How much balance should Yulin provident fund mortgage leave?

More than half a year. Yulin provident fund mortgage must have a continuous deposit of 6 months or more when the provident fund loan is made. Mortgage is a kind of bank loan specially set up for buying a house.