When the loan is made, it is found that the balance of the provident fund account is insufficient, and it must be handled through the unit.

Employees who have paid the provident fund continuously for more than one year can make up for it when they find that the balance of the provident fund is insufficient, but not through private individuals, but through employee units.

The specific process is as follows:

The parties apply to the unit for payment, and the unit issues payment instructions, and then together with the "Housing Provident Fund (Supplementary) Payment Letter" and other materials, directly go to the housing provident fund contractor bank outlets or sub-centers for payment procedures.

If the overdue amount exceeds 1 10,000 yuan, it must be approved by the housing provident fund management center or sub-center. At the same time, the provident fund paid by the parties will also be transferred from the unit where the parties work to the collection account of the housing provident fund management center.

Two, housing provident fund deposit amount is not enough for the loan amount can take provident fund loans.

There seems to be no limit. You'd better ask the local housing provident fund. It should be possible to get a loan.

But what agency fee do you charge for the loan? It is collected by the guarantee intermediary, and the bank card of the designated bank is also needed to facilitate repayment.

3. Do you have to have a balance in the provident fund account to get a loan?

Thank you for your invitation.

Provident fund loans need funds, but not your bank deposit, but whether there is any deposit in your provident fund account.

The loan condition of the provident fund is that the continuous payment of the provident fund cannot be interrupted, and the loan amount is 25 times of your provident fund account, and the loan amount cannot exceed the upper limit of 40W for single and 60W for marriage, otherwise the rest can only be combined with loans.

New housing provident fund loans generally depend on whether KFS cooperative banks support provident fund loans, and second-hand housing can also be used, but the owners should be informed in advance to avoid disputes.

If you are transferring from business to public, you can go directly to the provident fund center, but you need bridge funds.

4. Can commercial loans withdraw provident fund? What is the maximum loan amount of provident fund?

As we all know, commercial loans and provident fund loans are two commonly used ways to buy a house. But for many options, the amount of provident fund loans should be handled together with commercial loans. So what? What is the maximum loan amount of provident fund? As we all know, for many people, provident fund loans are the first choice between commercial loans and public loans. However, does it need to be combined with commercial loans to get the provident fund? How much is the provident fund loan?

Commercial loans can

Commercial loans to buy a house can be withdrawn from the provident fund, and employees can apply to the local provident fund management center to withdraw the provident fund when buying a house.

1, original and photocopy of the house purchase contract or house purchase agreement;

2. Purchase the original invoice and the printed copy of the sail ruler;

3. Withdraw employee ID cards from the provident fund.

4. Withdraw the employee's own bank savings account from the provident fund; The employee's spouse shall provide the original and photocopy of the husband-wife relationship certificate, and the main purchaser's provident fund.

How much is the provident fund loan?

1. The loan amount of housing provident fund is generally determined by the applicant's (and his spouse's) housing provident fund deposit amount, deposit ratio, deposit time, purchase amount, loan period and repayment ability. The actual loanable amount is subject to the amount finally approved by the management office. Most cities have stipulated a single housing provident fund loan amount, which generally does not exceed the total housing price.

2. At present, if Beijing purchases the first set of self-occupied housing, the loan amount of housing provident fund is 6,543,800 yuan+0.2 million yuan; Buy a second self-occupied house with a loan of 800,000 yuan. The personal loan amount of Shanghai Housing Provident Fund is 600,000 yuan, and the family loan amount is 6.5438+0.2 million yuan.

3. The personal loan amount of Guangzhou Housing Provident Fund is 600,000 yuan, and the family loan amount is 654.38+00,000 yuan. Shenzhen has a residence quota of 500,000 yuan and a family loan quota of 900,000 yuan.

4. Some cities will take the construction area as one of the evaluation criteria for the amount of provident fund loans. If the construction area of Wuhan is below 144 square meters (inclusive), the loan ratio shall not exceed 80% of the total house price; If the construction area is above 144 square meters, the loan ratio shall not exceed 70% of the total price of the purchased house.

The above article is my knowledge about the amount of provident fund loans, and I hope it will help you. In fact, provident fund loans and commercial loans are just two different loan models, which are more popular, but the approved amount