The upper limit of Chengdu provident fund loan is 500,000, and the requirement is that the balance of the provident fund account is not less than 25,000, which is 20 times of the execution balance. If the balance of the provident fund account is less than 1.5 million, the maximum loan can be 300,000. It used to depend on the monthly deposit. At present, loans are mainly calculated by balance. In the past, 20% down payment was allowed for 90 flats and below, and the longest loan was 30 years. Later, the minimum loan was revised to 30%, and the loan could only be made for 20 years.

Second, how to borrow 500,000 yuan for provident fund loans

The provident fund loan wants to borrow 500 thousand,

Need your provident fund account balance to be around 35,000 yuan,

So when you borrow money, you can borrow 500 thousand,

The amount of the basic loan is about 15 times of your account balance.

3. Do you need a balance of 25,000 on the Chengdu Provident Fund loan of 500,000 yuan?

The upper limit of Chengdu provident fund loan is 500,000, and the balance of the provident fund account is required to be not less than 25,000, that is, 20 times of the execution balance. If the balance of the provident fund account is less than10.5 million, the maximum loan can be 300,000 under the condition of good reputation and good repayment ability.

4. Is there a loan of 40,000 yuan for the balance of Chengdu Provident Fund?

Yes, the maximum loan can be 700 thousand.

The calculation logic of provident fund: (1) the loan amount of a single employee's family = the borrower's provident fund deposit balance ×20 times× the deposit time coefficient.

(2) The amount of family loans for two or more people = (the balance of the borrower's provident fund deposit * * * and the balance of the borrower's provident fund deposit) ×20 times× the deposit time coefficient.

(3) If the continuous normal deposit time is less than 12 months, the time coefficient is 0.5; If the continuous normal deposit time is 12 months to 24 months, the time coefficient is 0.9; The time coefficient of continuous normal deposit for more than 24 months is 1.

2. The maximum loan ratio shall not exceed 70%.

3. Not higher than the loan amount determined according to the repayment ability of the loan applicant and the borrower.