2. If the total deposit balance of the borrower and the other half exceeds 5,000 yuan and is less than 65,438 yuan+0,000 yuan, the maximum loan amount shall not exceed 300,000 yuan;
3. If the total deposit balance of the borrower and the other half exceeds 6,543,800+0 and less than 20,000, the maximum loan amount shall not exceed 350,000;
4. For the provident fund transferred from different places, if the time of deposit in different places and the time of deposit in Xi are not interrupted, the time and balance can be accumulated. In case of interruption, only the account balance will be accumulated. The employee shows a copy of the transfer form, and the balance transferred from different places in the personal provident fund deposit system needs to be "transferred out";
5. Balance exceeds 20,000: loan amount = 20,000 * multiple * deposit time coefficient.
The above is the relevant content of the loan amount of Xi provident fund in 2022.
How to handle personal provident fund loans?
1, first apply for housing provident fund loan, and submit the loan application form, personal credit report, bank account, personal income certificate and other materials to the bank for approval;
2 banks after the audit, the data will be delivered to the housing provident fund management office for audit;
3. After being approved by the individual provident fund management office, the bank will be notified, and finally the bank will make the next payment;
4. After lending, the funds will be directly transferred to the account of the real estate agent.
Under normal circumstances, whether you buy a pre-sale house or a quasi-existing house, you need to mortgage it to the bank after the certificate of immovable property rights comes down. After the customer settles the loan, he can go through the formalities of understanding the mortgage and get back the certificate of immovable property right.
Can I use provident fund loans without buying a house?
If you don't buy a house, you can use the provident fund loan line. According to the requirements of personal provident fund loans, you can not only apply for personal provident fund loans when buying a house, but also apply for personal provident fund consumer loans if customers do not buy a house. Personal provident fund consumption loan only takes personal provident fund as credit guarantee, which belongs to a kind of credit loan. Once the customer's application is successful, the loan amount can be used for personal product trading, decoration, holiday travel and so on. If a customer applies for a personal provident fund loan, in addition to buying a house, he can also apply for a provident fund loan when building, demolishing and maintaining his house. If customers want to apply for a loan, they need to meet the preconditions of the loan. If they don't do this, it will be difficult to successfully apply for the corresponding loan amount. Among them, the most important premise is that the housing provident fund has been continuously paid in full for more than 12 months, or it has been continuously paid for more than 12 months after the provident fund has been withdrawn.
How many times can a personal provident fund loan be used?
A family (including single men and women) can only use two housing provident fund loans to buy self-occupied housing. If one family member and the other half have used housing provident fund loans before or after marriage, and the total frequency of use by two people or the cumulative number of use by one person has reached two times, the third loan will not be heard. When applying for housing provident fund personal housing loan, the loan applicant has no housing provident fund housing loan record, which is called the first loan. The loan applicant has only one housing provident fund loan record, which is called the second housing loan. Applicants who apply for housing provident fund loans twice or more are called the third and above housing provident fund loans. This article is mainly about the knowledge points of Xi provident fund loan amount in 2022, and the content is for reference only.