1, depending on the specific situation. When applying for provident fund loans, there are requirements for personal credit: before applying for provident fund loans, the personal loans overdue should not exceed 3 times (inclusive) in two years, and the cumulative overdue times should not exceed 6 times (inclusive).

2, if the credit does not meet this condition, then you can't apply for provident fund loans, and you can only wait for two years when there are fewer overdue records in the credit report.

The other cannot be a huge debt (no more than 300,000 yuan);

The existing family income needs to meet the repayment ability of this provident fund loan and previous commercial loans at the same time. /kloc-20% down payment below level 0/44 (inclusive) and 30% above; 2.75% for less than five years and 3.25% for more than five years. The loan is based on the family, and the two formulas for calculating the loan amount meet simultaneously: 65,438+0. Within the loan amount of 450,000 yuan, the actual loan amount of the loan applicant and spouse must meet the following two conditions (the amount should be rounded to 10,000 yuan):

(1) loanable amount ≤ sum of the deposit bases of the borrower and spouse × 65438+February× loan period× individual repayment ability coefficient (currently 0.5);

(2) The monthly repayment amount is less than or equal to the sum of the actual monthly income of the borrower and spouse.

Second, what should I do if the provident fund loan is not deducted enough?

The balance of the provident fund loan is not enough to be deducted.

If the balance in the customer's provident fund account is insufficient, the bank will make a supplementary deduction from the repayment bank card bound by the customer. Therefore, the passenger card has sufficient funds and is in normal condition.

It is suggested that customers should tie a bank card, such as a salary card, without worrying about the lack of money in the card. What you need to note is that if you choose the monthly payment method, the corresponding funds will be deducted from the provident fund account every month to repay the balance, and the bank will compensate the remaining monthly payment from the repayment amount.

If you choose the method of annual repayment, you can deduct the balance every year to compensate the principal payable, and then repay the newly calculated monthly payment after deducting the provident fund.

What if the amount of provident fund loan is not enough?

1, husband and wife * * * have loans.

A person's ability is limited, so is the loan to buy a house. If the loan amount is not enough, then it can be considered that for one person, the amount that husband and wife can get when applying for provident fund loans is much higher, but there is also a limit on the maximum loan amount for loans that need to be injected.

2. Apply for a portfolio loan

If the amount of provident fund loans is not enough and the rate is favorable, then you can consider applying for a portfolio loan, which refers to the combination of provident fund loans and commercial loans. However, not all banks support the way of portfolio loan. Buyers should pay attention to asking banks and reserves for a long time, and buyers who are anxious to pay the house price should consider the time problem.

3. Increase the down payment ratio

Although every city has a minimum down payment ratio, how much down payment you need to pay for buying a house depends on yourself, as long as it is not lower than the minimum ratio stipulated by the local authorities. In most cities, the down payment ratio of the first suite will be between 20% and 30%, while that of the second suite is usually above 30% (except for cities with limited purchases and loans, of course), so the specific situation of payment can also directly affect the amount of mortgage.

4. Replace it with a commercial loan

If the portfolio loan purchased by the property buyers cannot be applied for and the amount of provident fund loan is too poor, then the property buyers can consider using commercial loans. Although the interest rate of commercial loans is relatively high, the loan amount of commercial loans is much higher, which is the main way to buy a house with loans at present. When applying for commercial loans, buyers can generally get the expected loan amount as long as they meet the relevant conditions stipulated by the bank, and commercial loans are not as complicated as provident fund loans.

Which houses can't use provident fund loans?

1, small property right house

As we all know, there is no title certificate issued by the state, only the title certificate issued by the township government. Therefore, the property rights of small property houses are incomplete and cannot be purchased by loans. Without the approval of the housing provident fund management center, it is natural that provident fund loans cannot be used.

2. Public housing

Public houses refer to houses under the name of schools or hospitals. Public housing can be allocated to employees, but neither individuals nor enterprises and institutions have the right to dispose of public housing. Therefore, even if they buy public houses, property buyers cannot apply for provident fund loans. Therefore, public houses are cheaper, and buyers had better not buy them.

Legal basis:

Regulations on the administration of housing provident fund

Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

3. What should I do if I can't get a loan from the provident fund?

If you have a provident fund but can't get a loan, you can go to the housing provident fund center to seek a discount loan. Discounted loans are nothing new, but many people really don't know much about them. In this way, the loan method that can save interest is not used, and a lot of money is wasted. Discount loan is actually a variant of provident fund loan, which is specially designed for those who have paid the provident fund but failed to enjoy the provident fund loan. Its general meaning is: If your mortgage is a commercial loan, and you meet the conditions of provident fund loan, you can apply for a discount loan from the provident fund management center of this city, and the provident fund management center will subsidize the interest difference between public loan and commercial loan for you, which means you will save about two percentage points of interest expenses. Take a loan of 500,000 yuan (20 years) as an example. After applying for a discount loan, you will save a total of 405,742.77-300 yuan. The process of handling the discount loan is simple: the borrower submits the relevant materials to the provident fund management center, and the provident fund management center applies for the discount loan according to the borrower's information and gives the borrower a certain discount amount? Does the guarantee center determine whether to provide guarantee for it? According to the examination and approval opinions of the provident fund management center, the bank will issue discount loans after examination and approval. It should be noted that if the borrower fails to pay or continuously pays the provident fund, the discount will be terminated immediately.

Fourth, do not let the housing provident fund loan buy a house?

It is not allowed to buy a house with a provident fund loan: negotiate with the developer, and the negotiation fails to apply for mediation; If mediation fails, people can resort to it. Buying a house with provident fund loan is a national safeguard measure stipulated by Chinese laws, and no individual or unit may violate the relevant laws and regulations. According to the law, employees who have paid the housing provident fund in accordance with Article 26 of the Regulations on the Management of Housing Provident Fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center. Twenty-seventh applicants for housing provident fund loans shall provide guarantees.