The maximum amount of provident fund loans in 222 cannot exceed 4, RMB. If the other half of the personal provident fund is added, the maximum amount of loans will not exceed 6, RMB. The loan credit line is determined according to the borrower's repayment ability. The calculation method is: the amount of housing provident fund paid by the borrower on a monthly basis ÷ the proportion of housing provident fund paid by the borrower × the coefficient of personal repayment ability× 12 (months )× the actual loanable period. If both husband and wife deposit personal provident fund and borrow together, the credit line of the loan is the sum of the loan lines calculated by the husband and wife respectively. The above is the relevant content of the provident fund loan amount in 222. How to use personal provident fund loans

Housing provident fund is the long-term housing savings paid by companies and employees. Customers who pay the housing provident fund can use it to apply for housing provident fund loans at the bank. As long as it can meet the loan standards clearly put forward by the bank, customers can prepare personal identity documents, proof of housing provident fund deposit and payment, house purchase contracts, proof of economic personal income and other materials in advance to go to the bank to apply for housing provident fund loan procedures.

after the materials are submitted to the bank and the loan application is clearly put forward, the bank will examine and approve the customer's loan qualification according to the basic information and personal credit report submitted by the customer. After the approval, the client can go to the specific evaluation agency of the housing fund management center to let the evaluation agency evaluate the value of the house. After the evaluation, the bank will re-examine and approve according to the analysis report and clarify the actual loan amount. After the approval, the bank will inform the customer that the customer will go to the bank to sign the contract and go through the relevant formalities after receiving the notice. In the future, the bank will issue loans, and customers only need to deduct money on time according to the promised repayment agreement. Will changing the company's provident fund loan have an impact?

Whether changing the company will have an impact on the provident fund loan requires in-depth analysis of the details:

1. If the customer has uploaded the application and has paid the provident fund in full for more than six months on schedule, it will be faster to change the company. If the new company is changed before paying the provident fund next month and the new company successfully continues to pay the provident fund, it will not easily have a great impact on the provident fund loan already handled;

2. If the customer has not applied for a provident fund loan and has not found a new company, and the provident fund account is sealed due to payment suspension, it will probably affect the handling of the provident fund loan. After all, when the provident fund account is frozen, customers can't apply for provident fund loans, only when the account is in normal deposit and payment. In addition, if the payment of the provident fund is too long, even if a new company is found to continue to pay the provident fund in the future, it is necessary to calculate the time for continuous deposit and payment again. In this way, it will take six months before you can apply for a provident fund loan.

This article mainly focuses on the knowledge points related to the amount of provident fund loans in 222, and the contents are for reference only.