The amount of provident fund loan is determined based on the balance of your provident fund account. For specific information, you can go to the city provident fund center to check.
Provident fund loan limit.
How to calculate the provident fund loan amount? What is the maximum provident fund loan amount that can be borrowed?
The provident fund loan limit refers to the maximum loan limit that a borrower can apply for when applying for a provident fund loan. The loan limit is comprehensively evaluated based on the provident fund account situation, the borrower's credit status, income level, repayment ability, etc. And the amounts under different evaluation methods are also inconsistent:
1. Calculated based on the house price: loan amount = property price * loan ratio
2. Calculated based on the income level:
[(The total monthly salary of the borrower and the monthly deposit amount of the housing provident fund of the borrower’s unit)×Loan repayment ability coefficient-The total monthly repayment of the borrower’s existing loan]×Loan term (months);
p>3. Calculated based on the maximum loan limit
Basically, the maximum loan limit shall not exceed 80% of the total price of the house;
4. Calculated based on the provident fund payment period
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The provident fund payment period is long enough, and the larger the cumulative amount each year, the higher the loan amount. At the same time, the provident fund loan amount is also related to the remaining working years before retirement.
1. If the borrower pays the housing provident fund in full and continuously as a single person, the maximum loan amount shall not exceed 500,000 yuan; if the borrower and his spouse pay the housing provident fund in full and continuously at the same time, the maximum loan amount shall not exceed 700,000 yuan.
2. The loan limit for the first house does not exceed 70% of the total price of the house purchased, the loan limit for the second house does not exceed 50% of the total price of the house purchased, and the loan limit for finely decorated houses does not exceed the total price of the house purchased. 60.
3. The loan amount shall not be higher than the amount determined based on the provident fund payment time and the balance of the payment account. If the spouse's provident fund contribution is abnormal, the spouse's provident fund portion will not be included in the calculation.
If you have capital turnover needs, it is recommended that you use Youqianhua. Youqianhua is a credit service brand under Duxiaoman Financial (original name: Baidu Youqianhua, changed its name to "Youqianhua" in June 2018 "), big brands are reliable, have low interest rates and are trustworthy. Youqianhua-Manyidai, the maximum loan amount is 200,000, and the daily interest rate is as low as 0.02.
I have learned about many small loan companies. Generally speaking, Baidu Youqianhua has the highest approval rate platform. The credit limit is the highest. I was given a credit limit of 9.5W for nothing, and my colleague directly extended a credit limit of 18W.
Du Xiaoman - If you have money to spend (second batch), click online to measure the amount
Special note: withdraw the full amount as soon as possible after the limit is exceeded, because risk control is dynamic.
It is best to put forward all the suggestions you have. The risk control system will mistakenly think that you don’t need the funds very much, causing the withdrawal to fail. It is safer to raise at least 60. Early settlement and repayment is supported after the first installment.
If you have enough money to spend or no quota, it is recommended to try the following two platforms, which are also relatively formal licensed financial institutions! The review is relatively less strict!
360 IOU can borrow up to 200,000 yuan!
Click to measure the amount online
You can borrow up to 50,000 in installment loan!
Click to measure your amount online