Although provident fund loans are regional and different regions have different requirements for provident fund loans, they all have two things in common. One is that the status of the provident fund account is normal and cannot be sealed; One is that before the loan, the provident fund should be paid for a certain period of time.
If you are not sure whether you are qualified to apply for provident fund loans, it is recommended to call or go to the local housing provident fund center for consultation. If you are qualified, let's see how many loans you can get with the balance of the provident fund account.
2. Secondly, the balance of the provident fund account is not the only reference factor for the quota.
Everyone should know that the amount of provident fund loan is determined according to the borrower's repayment ability, the balance of housing provident fund account, the percentage of house price and the maximum amount of local provident fund. There are four calculation methods.
If calculated according to the balance of the housing provident fund account, it depends on the personal loan multiple given by the local housing provident fund. For example, in Changsha, the personal loan multiple in 2022 is 15 times of the balance of individual or husband and wife provident fund account, so the loan of 400,000 yuan is only 26,700 yuan, so the balance of 50,000 yuan in provident fund account is definitely ok.
If you don't know your debt and online loan data, you can query and get an online loan big data report from Winnie Hsin, which includes online loan application records, overdue details and blacklist details.
Extended data:
Can I get a loan if the balance of the provident fund is small?
If the balance of the provident fund is small, you can borrow, but the loan amount may be less.
At present, the loanable amount of housing provident fund loan is related to repayment ability, provident fund account, credit status, income level and house price, and the final loanable amount of different evaluation methods is also different.
1, calculated by house price: loanable amount = house price × loan ratio;
2. Calculated according to the income level: loanable amount = [(total monthly salary of the borrower+monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment of the borrower's existing loan ]× loan period (month);
3. Calculated according to the maximum loan amount: The maximum loan amount generally does not exceed 70% of the house price.
In addition, the monthly repayment amount of provident fund loans is generally required to be less than or equal to 50% of the family's monthly income. If it is exceeded, it is likely to be rejected.