How long before the loan?
If the lender wants to apply for a provident fund loan and apply for withdrawal, it must apply at least 15 days before the loan.
According to the feedback from actual users, the lender needs to provide its own identity information, housing provident fund account information, marital status, current residence address, document service address, etc. Prepare the information, then go to the local provident fund management center to fill in the withdrawal application form, and then wait for the approval result.
There are also restrictions on the amount of provident fund withdrawal. If the lender uses the house, the monthly withdrawal amount shall not exceed 50% of the deposit due in the month of application, and the monthly withdrawal amount exceeding1February shall not be withdrawn every year. If it is the user's other housing consumption, the withdrawal amount shall not exceed 30% of the amount of employee housing provident fund that should be paid 12 months before the application for withdrawal.
What are the skills to increase the amount of provident fund loans?
1, increase account balance
Under normal circumstances, the income is directly proportional to the amount of provident fund deposit, but now many enterprises pay according to the minimum standard, so they can negotiate with enterprises to improve the level of provident fund deposit and increase the account balance at their own expense.
Step 2 get married
If the lender has no marital relationship, the amount of loan he can apply for is limited. If he has a spouse, the amount of provident fund will generally double. Take Shanghai as an example, the maximum personal provident fund loan is 600,000 yuan, and the maximum husband-and-wife loan is 1.2 million yuan.
The above is the related content sharing of "How long to apply for provident fund loan amount before loan", hoping to help everyone!