You can apply for provident fund loans.

The loan amount of housing provident fund can only be determined by comprehensive calculation.

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

Loan amount calculated according to repayment ability: (total monthly salary of the borrower, monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan × loan term (month). If the spouse's quota is used, (total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife × loan period (month). Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution);

Loan amount calculated according to house price: loan amount = house price × loan ratio. The loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage sets;

According to the loan amount calculated by the balance of the housing provident fund account, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when the employee applies for a loan (at the same time, using the spouse housing provident fund to apply for a provident fund loan is the sum of the balance of the employee's own and spouse's housing provident fund account), and if the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000;

According to the loan amount calculated by the maximum loan amount, if I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. I use my housing provident fund to apply for housing provident fund loans, and if I pay the housing provident fund normally when applying for loans, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.

Second, can the provident fund be used for credit loans without a quota?

You can't. If there is no balance in the housing provident fund, it is necessary to apply for a loan, and the general bank will not approve it. Among them, the provident fund loan conditions stipulate that it is necessary to pay the housing provident fund regularly and continuously for a certain period of time, but it is ok to pay the provident fund normally every month, which meets the conditions of the provident fund loan.

Because the balance of the provident fund is related to the loan amount, if the balance of the provident fund is small, loans can be made, but the loan amount may be small. At present, the loanable amount of housing provident fund loan is related to repayment ability, provident fund account, credit status, income level, house price and other factors, and the final loanable amount of different evaluation methods is also different.

Third, can the provident fund be loaned? How much can I borrow?

The provident fund can be loaned, and the maximum loan amount shall not exceed 20 times of the balance of the provident fund account, and shall not exceed the value of the property purchased after the down payment. The provident fund, known as the housing provident fund, is issued by the local housing provident fund management office to meet the housing needs of local people. The above is the provident fund. Can I get a loan? How much related content can I borrow?

The condition for applying for provident fund loan is 1, with the real identity certificate of local resident account or other reasonable work, and with completely independent civil capacity;

2. Sign a reasonable purchase agreement or a legally recognized agreement;

3. Repay the loan principal and interest on time, have strong working ability, and have stable jobs and income;

4. You can apply for a loan only after you have paid the housing provident fund in full for 6 months;

5. Good personal credit;

6. There are no other liabilities with large amount that can affect the loan repayment ability;

7. The monthly mortgage expenditure is not higher than 50% of the family's monthly income;

8. Other standards that meet the requirements of national laws, regulations and laws.

4. Can I apply for a credit loan with a provident fund? How much can I borrow?

Hello, you can apply for a provident fund loan, with a maximum of 1 10,000 yuan, depending on your personal qualifications.