Under normal circumstances, companies will buy housing provident fund for employees, which is a kind of welfare for everyone, especially when buying a house and applying for a loan, which can save a lot of interest.

It is understood that the more the provident fund is paid, the higher the loan amount will indeed be. The balance in the provident fund account will directly affect the amount of provident fund loans. The higher the balance, the higher the amount of loans that can be issued. Every city has a maximum amount of personal provident fund loans. After the balance in the account reaches a certain standard, if it continues to increase, it will be impossible to increase the loan amount.

For example, the maximum loan amount of Shenzhen provident fund is 900,000, and the loan amount of Shenzhen housing provident fund is 12 times the balance of the provident fund account. However, the conditions must be met. The total monthly repayment of loan principal and interest (calculated by equal principal and interest) does not exceed 50% of the applicant's housing provident fund deposit base, and the * * * participating in the quota calculation and the applicant's deposit base can be accumulated. If you plan to apply for provident fund loans in the future, it is not appropriate to withdraw provident fund, which may affect the loan amount.

The more provident fund loans, the better.

Not necessarily.

1. From the benefit point of view, the more the better.

For example, a commercial loan of 500,000 yuan will pay interest of 450,000 yuan in 30 years, and a provident fund loan of 800,000 yuan will pay interest of 450,000 yuan in 30 years. This comparison shows that the same interest cost, of course, is that provident fund loans can pay 300 thousand more.

2. From the repayment pressure, the more loans, the greater the risk.

If too many provident fund loans cannot be repaid on time, it will have a negative impact on personal credit.

If the overdue repayment after the provident fund loan is too much, and the loan contract is terminated by the provident fund center, then the house bought by the loan cannot be completely owned by itself in the end.

Therefore, provident fund loans are not as much as possible, but should be appropriate.

Just search: kingfisher data. Click "Query" and enter information to query your own 100-bank credit data, which come from more than 2,000 online lending platforms and UnionPay centers across the country. Users can query their big data and credit status, obtain various indicators, and query their personal credit status, online black index score, blacklist, online loan application record, application platform type, overdue amount, credit card and online loan credit estimated amount and other important data information.

Extended data:

What should I pay attention to in the amount of provident fund loans?

1. Each local provident fund loan amount will set a maximum limit. For example, the maximum loan amount of Changsha Provident Fund is 700,000, not as much as you want.

2, provident fund loans should also be based on the applicant's salary income and deposit situation, if the basic living expenses are excluded, the applicant's salary income is not much, and there is no repayment ability, it is impossible to borrow more.

Is it true that the more the provident fund is paid, the more the loan amount will be?

The more provident funds, the higher the loan amount. Because the amount of provident fund loans is not only based on the account balance, but also depends on the housing evaluation value, monthly deposit, loan application period, down payment, construction area and so on.

47.jpg

1. Calculate the loan amount according to monthly income, monthly deposit and loan period.

The calculation method is as follows: the maximum loanable amount = (monthly family income-basic living standard in Beijing)/monthly loan repayment amount per 10,000 yuan during the loan application period, where monthly income = monthly contribution of individual housing provident fund ÷ contribution ratio of housing provident fund.

2. Calculate the loan amount according to the down payment and the appraised value of the house.

At present, the down payment of the first suite in Beijing is 35%, so the maximum loan amount that can be applied for cannot exceed 65% of the appraised value of the house.

3. Evaluate the loan amount according to the housing area.

At present, applicants (individuals or couples) purchase policy housing or the first set of self-occupied housing with a construction area of 90 square meters or less, with a single maximum housing provident fund loan of 6.5438+0.2 million yuan. The purchase of non-policy housing or a second house with a construction area of over 90 square meters in Xing Tao, with a maximum loan amount of 800,000 yuan.

What are the conditions for buying a house with a provident fund loan?

1, with xx permanent residence or valid residence certificate.

2. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.

3. Those who participate in the housing provident fund system must also meet the following conditions when applying for housing provident fund personal housing loans: that is, the time for continuous full deposit of housing provident fund before applying for loans is not less than 6 months, and some cities stipulate that it should not be less than 12 months.

4. Purchase, build, renovate and overhaul self-occupied ordinary houses (excluding commercial and residential dual-use houses) within the municipal area of xx, and have relevant procedures, certificates and self-raised funds that have been delivered according to the prescribed proportion.

5. Have full capacity for civil conduct, have a stable occupation and income, have the ability to repay the principal and interest of the loan, and have good credit.

6. There are no outstanding housing provident fund loans. In addition, it should be noted that one spouse has applied for a housing provident fund loan, and neither spouse can obtain a housing provident fund loan until the principal and interest of the loan are paid off.

7. Not reaching the statutory retirement age (if it is otherwise stipulated by the state that it can be extended, it shall be implemented according to its provisions, but the maximum age shall not exceed 65 years).

8 provident fund loans shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.