In fact, no provident fund does not affect the loan to buy a house. Generally, there is no clear requirement for the balance of the customer's provident fund account, as long as the customer's provident fund account is in a normal state of deposit, and has paid the provident fund in full and on time for six months or more, and has not applied for a provident fund loan in his name or the loan has been settled.

Of course, the more the balance of the provident fund account, the more the customer can be approved. If the provident fund is too small, customers can also choose to apply for portfolio loans, and the insufficient part can be supplemented by commercial loans; Or simply give up the provident fund loan and buy a house with a commercial loan. However, the interest rate of commercial loans is generally higher than that of provident fund loans, which is not cost-effective.

In addition, customers can also choose to apply for a mortgage with their spouse or parents, so that the other party will also participate in the calculation of the quota, and the provident funds of both parties will be calculated together, and the amount that can be applied will naturally be more.

Personal housing provident fund loans to buy a house is the first way. According to the "Implementation Measures for Personal Housing Provident Fund Loans", the borrower applying for such loans must meet the following conditions: the borrower is an individual who normally pays the housing provident fund in the "provident fund center"; The borrower purchases affordable housing recognized by the lender; Have permanent residence in cities and towns or valid residence status; Have a stable occupation and income, and have the ability to repay the principal and interest of the loan; Having a house purchase contract or relevant supporting documents; The borrower agrees to mortgage the property listed in the house sales contract signed with the developer to the lender, giving the lender priority mortgage and compensation as a guarantee for repayment of principal and interest; The borrower has the ability to pay not less than 30% of the funds needed for house purchase; Other conditions stipulated by the lender.

After meeting these conditions, you can apply for a loan from the bank with your ID card, the purchase contract signed by the real estate company, the monthly income certificate (payroll) issued by the provident fund center, and the deposit certificate of the provident fund. Generally speaking, in order to ensure the safety of funds, banks should conduct certain audits on the credit and economic strength of borrowers.

After the approval, we will enter the final stage of buying a house by loan: deposit 30% of the down payment into the account opened by the real estate company in your loan bank; Deal with a savings card at your loan bank, so that the bank can deduct the loan amount from the card every month; Sign a loan contract. At the same time, we must mortgage the house, buy insurance and finally notarize it. These things are handled by the bank and the expenses are borne by the borrower.