Detailed reasons:
The total price of the houses built. To apply for provident fund loans, applicants need to prepare at least 30% down payment, while some areas can only prepare 20% down payment. The lower the down payment, the higher the loan amount you need to apply for. Because the remaining 70% or 80% of the house price needs to apply for a provident fund loan;
Balance of provident fund account. The higher the balance of the personal provident fund account, the higher the amount of provident fund loans that can be applied for. Generally speaking, the personal provident fund loan amount is 10- 20 times of the balance of the provident fund account;
Limitations of local provident fund policy. The maximum amount of provident fund is different in different regions.
Self-built houses meet the conditions of provident fund loans and need to provide the following information:
The original and photocopy of the employee's ID card paid into the provident fund; The original and photocopy of the approval certificate or building approval letter of the planning and housing management department;
Original and photocopy of invoices for purchasing materials and other construction costs;
The original and photocopy of the approval certificate or building approval letter of the planning and housing management department;
Provident funds are withdrawn from employees' own bank savings accounts.
Summary: In addition to the above information, the employee spouse should also provide the original and photocopy of the husband-wife relationship certificate and the photocopy of the main building owner's provident fund withdrawal record.