How to improve the repayment amount of provident fund loans? What conditions can be adjusted?

How to improve the repayment amount of provident fund loans? What conditions can be adjusted? Come and have a look with me.

1. Increase the number of provident fund deposits and increase the balance of the provident fund account. The amount of provident fund loan is calculated according to the number of users' provident fund deposits and account balance.

2. Maintain a good personal credit record. If you want to use provident fund loans to buy a house, users need to ensure their good credit first, so as to obtain a high amount. Generally speaking, as long as the user is overdue for three times, it will become that the bank refuses to contact the user, and it is definitely impossible to apply for a loan successfully. Therefore, everyone should safeguard their personal credit and repay in full and on time to avoid overdue situations, so as to avoid penny wise and pound foolish.

3. To apply for a husband-and-wife loan, the amount will be higher than that applied by one person. However, if the husband and wife borrow money together, both parties need to have provident fund, and both parties are in the state of deposit.

4. Try not to withdraw the provident fund, which can not only prove that the applicant has no economic problems, but also increase the balance of the provident fund account.

5. Provide strong repayment ability, such as personal assets certificate and good income certificate. Let the lender feel that your repayment ability is sufficient.

Compared with commercial loans, the interest rate of provident fund loans is lower. If you can apply for more provident fund loans, you can save a lot of interest. However, if the final amount of the provident fund loan cannot meet the requirements of the lender, you can apply for a commercial loan again.

Proof of collateral valuation. Submitting these certificates to prove your repayment ability will also help to increase the amount of provident fund loans.

The repayment amount of provident fund loans can be adjusted, and the following conditions must be met:

1. The borrower normally repays the provident fund loan for more than one year, with a good repayment reputation and no record of overdue repayment at the time of application;

2. If applying for shortening the loan term, the borrower should have no bad repayment record, and the income certificate provided should have the ability to repay after the term is shortened;

3. If applying for extending the loan term, the borrower shall explain the objective reasons why the loan cannot be repaid according to the contract term.

How to increase the amount of provident fund loans? Share a few good methods!

Buying a house is a big thing. For beginners, the first time they plan to borrow money to buy a house, the first thing they should think of is the provident fund loan. However, when you applied to the bank, you found that you thought you could get hundreds of thousands of loans, but the result was only hundreds of thousands. Therefore, it is still very useful to increase the amount of provident fund loans at ordinary times, so what are the skills? Let's briefly introduce it today.

1, keep a good credit record.

Buying a house with a provident fund loan is very important for users' personal credit information, so we must optimize the credit information record in advance. Generally, three consecutive overdue repayments or six accumulated overdue repayments may be recognized as bad credit records by banks.

Once a property buyer has a bad credit record in the bank, it will be a bit difficult to apply for a provident fund loan. Therefore, before buying a house, we must bear in mind that we can't do anything that leaves a credit stain, so as not to lose big because of small.

2. The higher the account balance, the better.

The amount of provident fund loans generally does not exceed 20 times of the account balance. However, because many enterprises pay the provident fund according to relatively low standards, the monthly provident fund is not high. If you are going to apply for a provident fund loan to buy a house in the future, you can negotiate with the enterprise to increase the proportion of personal provident fund payment, and then increase the balance in the account.

3. Other certificates

Proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability; Valid documents such as purchase contract and agreement; Collateral used for guarantee, pledge list, ownership certificate, certificate of consent of the authorized disposition to mortgage and pledge, and mortgage appraisal certificate issued by relevant departments.

Can individuals increase the amount of provident fund?

I can't. Individuals cannot adjust the amount of provident fund. If you want to increase the amount of personal housing provident fund, you must fill in the application form in your unit, and then the finance department will adjust the monthly payment to the provident fund center.

Provident fund withdrawal means that the depositor goes through the procedures of provident fund withdrawal in the relevant departments of provident fund withdrawal according to the requirements of provident fund withdrawal, and withdraws part or all of the amount in the provident fund account to the personal bank account.

Provident fund withdrawal is divided into three types: agreed withdrawal, partial withdrawal and cancellation withdrawal. To withdraw the provident fund, you need to apply for a joint provident fund card at the designated bank in advance, and the withdrawn provident fund will be directly transferred to the joint savings account.

Agreed withdrawal of provident fund means that employees and their spouses apply for withdrawal of provident fund for reasons such as purchase, construction, renovation, overhaul of owner-occupied housing and repayment of principal and interest of housing loans. The provident fund management center will transfer the extracted provident fund to the employee's own provident fund joint card savings account on time according to the agreed time when applying.

Partial withdrawal of provident fund means that the depositor of provident fund applies for partial withdrawal of provident fund according to the requirements of partial withdrawal of provident fund. The maximum withdrawal amount is the total account amount minus 10 yuan.

Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.

With the characteristics of security, mutual assistance and long-term, it is mainly used for employees to buy, build, rebuild, overhaul and decorate their own houses or pay rent.

Housing provident fund deposit scope:

The following units and their employees

1, institutions;

2. State-owned enterprises, urban collective enterprises, foreign-invested enterprises, enterprises invested by Hong Kong, Macao and Taiwan businessmen, urban private enterprises and other urban enterprises or economic organizations;

3. Private non-enterprise units and social organizations;

4. Permanent representative offices of foreign, Hong Kong, Macao and Taiwan invested enterprises and other economic organizations.

If the unit does not handle the registration of housing provident fund deposit for its employees or the establishment of housing provident fund accounts, the housing provident fund management center shall order it to be handled within a time limit; Failing to handle it within the time limit, a fine of 6.5438+0 million yuan and 50,000 yuan shall be imposed.

If the unit fails to pay or underpays the housing provident fund within the time limit, the housing provident fund management center shall order it to pay within a time limit; If the deposit is not made within the time limit, it may apply to the people's court for compulsory execution.

This month's provident fund is small, and it will triple next month. Can the loan amount be increased?

If there are no special circumstances, after applying for provident fund loans to buy a house and adjusting the provident fund base, the amount of provident fund loans can no longer be accumulated.

After adjusting the provident fund base, the amount of provident fund loans cannot be increased, because there are corresponding restrictions on the maximum amount of provident fund loans in various regions, and the amount of provident fund loans applied for cannot exceed this amount. In addition, the number of provident fund loans that the lender can apply for is related to the balance of the personal provident fund account, which is generally 10-20 times of the account balance, and the calculated loan amount cannot be adjusted.

Therefore, under the condition that the amount of provident fund loans does not exceed the local maximum, the more the balance of the lender's provident fund account is, the more provident fund loans can be applied for. Therefore, if you plan to use provident fund loans, then it is best not to withdraw funds from the provident fund account at ordinary times, so that you can apply for loans as much as possible.

Influencing factors of provident fund loan amount

1, personal monthly income

The loan amount of housing provident fund is first affected by the individual's monthly income, which directly determines the deposit amount of the monthly provident fund account. The greater the monthly deposit of the provident fund account, the greater the balance of the provident fund account, and the greater the loan amount applied.

However, the individual's monthly income is not the applicant's real monthly income, but is determined by the amount and proportion of deposit in the monthly provident fund account, while the applicant's other income cannot be counted.

2. Payment proportion and evaluation price

For second-hand housing, in addition to the maximum amount, the down payment ratio and housing evaluation price will also affect the amount of provident fund loans.

3. Deposit base and balance

The loan amount of provident fund is also affected by the deposit base and account balance of provident fund, which directly determines the maximum loan amount of the applicant.

4. Lender's age

The amount of provident fund loans is also related to the age of the lender. If the lender is too old, it will affect the loan. The longest loan period is ≤30 years, the house age+the loan period, the loan period and the loan period, whichever is lower.

5. Personal credit

No matter what kind of loan, personal credit will affect the loan. For customers with good personal credit, the loan amount will generally increase, while for customers with poor personal credit or even poor credit reporting, the loan amount will often decrease.