In order to prevent loan risks, protect the interests of the largest number of provident fund depositors and help determine your loan amount, you must make an evaluation. Generally speaking, the assessment involved in applying for provident fund loans mainly includes personal credit assessment and collateral assessment. The establishment of personal credit mechanism is to encourage trustworthy people. If the credit is good, buying a house can save money. If the credit rating of the personal credit evaluation report is AAA or AA, the loan amount can be increased by 30% or 15% on the basis of the loanable amount calculated by the current calculation method, and only 95% or 98% of the guarantee service fee is required. For example, according to your provident fund deposit, you can only apply for a loan of 200,000 yuan, but if your personal credit rating is AAA, then your maximum loan amount can be 30% more than 200,000 yuan, which means you can borrow 260,000 yuan. At present, there is no charge for personal credit evaluation. If the purchase of commercial housing, second-hand housing and other housing, but also by the assessment agencies to assess the mortgage housing. Collateral evaluation is to evaluate the legitimacy of property rights and the value of collateral. The legitimacy of property rights is related to whether you can obtain the property right certificate and whether you can go through the mortgage registration formalities smoothly after obtaining the property right certificate. Valuation of collateral helps to determine the amount of your loan. If the collateral assessment conclusion is unqualified, the loan will not be issued. Generally speaking, assessment agencies should charge a certain assessment fee. The above is my answer to what is the evaluation of provident fund loans, and I hope it will help you.