1, increase the down payment and reduce the loan amount, so that the loan amount of the provident fund may be enough;
2. If only users apply for provident fund loans separately, and both husband and wife or parents have provident fund, they can apply together. In this way, the accumulated funds of both parties add up, and the loanable amount will be much larger;
3. For portfolio loans, provident fund loans and housing price difference can be supplemented by applying for commercial loans.
The above is what to do if the provident fund loan amount is not enough to buy a house.
What does it mean to reduce the amount of provident fund loans?
The downward adjustment of the amount of housing provident fund means that it is more difficult for users to buy a house, the amount of commercial loans is larger, and the monthly supply is increased. Buying a house requires users to bear a lot of interest. From the side, this is to suppress property buyers and tell users that the house is for living, not for investment. Because the provident fund loan belongs to the preferential policy of government discount, the higher the loan amount applied by users, the higher the interest that the government needs to subsidize. In order to let as many people as possible enjoy the preferential treatment of provident fund loans, the government can only control the amount of provident fund loans under normal circumstances, and the amount of personal provident fund loans can not exceed 600,000 RMB at most, and will be further adjusted according to the actual economic situation in various regions. If the amount of provident fund loans cannot be fully paid off, users can choose portfolio loans or commercial loans, because some banks don't like portfolio loans, which may affect the final approval results.
Is there a relationship between the loan amount of provident fund and the account balance?
The loan amount of provident fund is positively related to the account balance. The more account balance, the more provident fund loans users can apply for. However, there will still be a maximum amount of provident fund loan. When the amount of provident fund loan reaches this maximum amount, no matter how much the account balance increases, it will no longer affect the amount of provident fund loan. When users need provident fund loans, do not withdraw the balance of provident fund before the loan. For those who successfully apply for provident fund loans, the user will withdraw the balance of provident fund again afterwards, which will not affect the approved provident fund loans. This article is mainly about how to buy a house when the amount of provident fund loan is not enough. The content is for reference only.