1, which is related to the maximum loanable amount of local provident fund.
There are restrictions on the maximum loanable amount of provident fund in each region, and it is not necessary to apply as much as you want. The maximum loan amount of provident fund loans in most cities is only a few hundred thousand, which is subject to the notice of the local provident fund center.
2. It is related to the balance of the provident fund account.
Under the premise of not exceeding the maximum loanable amount of the provident fund, the more the balance of the provident fund account, the higher the amount of the provident fund loan that can be applied for.
Under normal circumstances, the loan amount of provident fund is 10 to 20 times the balance of provident fund account, and the calculation method is different in each region. You can consult your local provident fund center.
Some regional provident fund centers can determine the sum of the balance of husband and wife's provident fund accounts. In this case, it is really good news for married people who want to buy a house. You can apply for provident fund loans by using the provident fund in both husband and wife accounts, which may increase the amount of provident fund loans and reduce the pressure on mortgage loans.
3, related to the provident fund deposit base.
Some regional provident fund centers will stipulate that the monthly payment of provident fund loans should not exceed half of the provident fund deposit base, which will also affect the amount of provident fund loans.
For example, if the deposit base of the provident fund is 5000/ month, then the monthly payment of the applied provident fund loan cannot exceed 2500/ month, and the loan amount calculated by the provident fund center will be compared with the amount calculated by the multiple of the provident fund balance, and generally the lowest value between the two will be taken.
It is related to your monthly income.
When applying for a provident fund loan, the provident fund center will pay attention to the income situation like a commercial bank, and the monthly income is at least twice the monthly contribution of the provident fund. If other conditions are excellent, the higher the individual's monthly income, the higher the provident fund loan he can apply for.
In addition, the more monthly income, it also means that your own provident fund deposit base will also increase, and the accumulation speed of provident fund account balance will also accelerate, which will also have a positive effect on increasing the amount of provident fund loans.
5. It is related to whether it is the first suite.
If you apply for a provident fund loan to buy a second suite, the amount of provident fund loan for the second suite in some areas will be lower than that for the first suite, depending on the notice of the local provident fund center.
6. It is related to the inclination of local policies.
Some areas will raise the upper limit of provident fund loans for some special families, mainly to alleviate the pressure on some families. You can consult the local provident fund center to find out whether there are corresponding preferential policies.
It can be seen that there are many reasons that affect the amount of provident fund loans. You can understand clearly before applying for provident fund loans. Don't apply for a loan blindly.
If you feel that the amount of provident fund loans is not enough, you can try to apply for portfolio loans and make up for the shortage of provident fund loans with commercial loans. If your financial strength allows, you can also increase the down payment ratio, which can also reduce your dependence on provident fund loans.
If the online loan is overdue, you can get a big data report in Xiaoqi Credit Information, find out your overdue records, and classify your online loans into formal and informal, with credit information and without credit information. If you want to pay back the money but don't have enough funds, then negotiate with the online lending platform to give priority to formal credit reporting and reduce the impact on yourself.
Extended data:
Is it a one-time deduction to apply for the annual fee of provident fund?
The annual fee of the provident fund is deducted from the provident fund account at one time. Before deducting money, you need to pay attention to whether there is enough money in the provident fund account. If not, it is necessary to make up the insufficient part in time to avoid overdue.
The following conditions need to be met when handling provident fund hedging loan repayment business.
1 has a good credit report.
2. The status of the provident fund account is normal.
3. The balance of the provident fund account is sufficient.
4. Continuous payment of provident fund meets the requirements.
Of course, different regions have different regulations on hedge repayment of provident fund. Before handling this business, you can consult the local provident fund center to see what conditions and materials are needed.
Finally, it is worth noting that we should pay attention to the funds in the provident fund account in time. If you find that the funds are insufficient to repay the arrears, you must make up the insufficient part in time, so it doesn't mean that you don't need to pay attention to anything after applying for hedging.