From 2020 onwards, Hefei housing loans can be consulted with the Provident Fund Center for details.
2. Do you need an account balance for provident fund loans?
There are requirements. If you want to apply for housing provident fund loans in China Merchants Bank, due to the different policies in different cities, it is recommended that you contact the local handling outlets or provident fund management centers by telephone to confirm whether there is provident fund loan business and related regulations (such as application conditions, audit standards, real estate requirements, amount and duration, etc.). ) In your local area.
3. Is there any requirement for the balance of Hefei Provident Fund loan account?
From 2020, the balance of the provident fund account will be required for the purchase loan in Hefei. Please consult the provident fund center for details.
4. What is the balance of the provident fund loan?
There are two explanations for the balance of provident fund loans, one is the account balance before provident fund loans, and the other is the account balance after provident fund loans.
1 balance before provident fund loan: under normal circumstances, when handling provident fund loan, the amount of provident fund loan is 10-20 times of the balance of provident fund account within the maximum limit of provident fund. Therefore, before completing the provident fund loan, the account balance should be able to meet your own loan needs. For example, if you need a loan of 600,000 yuan, and the local provident fund loan amount is 10 times of the account balance, then you need to ensure that the balance of the provident fund account is not less than 60,000 yuan.
2 Balance after the provident fund loan: After the loan is successful, the provident fund generally has no strict requirements on the remaining balance of the account, and users can handle the account balance within the scope specified by the housing provident fund management center. For example, you can hedge the balance of the provident fund account; You can withdraw the provident fund once a year; You can also apply for early withdrawal of provident fund.