1. As we all know, the amount of provident fund loans = the total purchase price-down payment, which means that the higher the down payment ratio, the lower the amount of provident fund loans. Therefore, if you want to apply for the maximum amount of provident fund loans, you should pay attention to the down payment ratio. Of course, if the down payment ratio is too low, it is impossible to use provident fund loans. General provident fund loans require a down payment ratio of not less than 20%.
Second, when buyers apply for provident fund loans, the housing area will also affect the amount of provident fund loans. Take Beijing as an example. If you buy the first house with an area of less than 90 square meters, you can apply for a provident fund loan of up to 1.2 million; If the first suite area exceeds 90 square meters, then the provident fund loan can only be applied for up to 800,000. Also, if the area of the first suite exceeds 144 square meters, then your provident fund loan will be rejected!
Third, when the property market is adjusted and upgraded, the provident fund loan policy will often be tightened. At this time, the amount of provident fund loans will also be lowered. Take Beijing as an example. Beijing introduced a new provident fund policy, and the loan amount is linked to the deposit period. If you pay the provident fund for one year, you can only borrow 654.38 million yuan. After that, the loan amount increased by 654.38+10,000 yuan for each additional year. Therefore, when your city's provident fund loan policy is adjusted, you often can't get the maximum amount of provident fund loans.
Fourth, many cities will first check the balance of provident fund accounts when calculating the amount of provident fund loans. Take Shenzhen as an example. The loan amount of Shenzhen provident fund = X 14 times the balance of the provident fund account, which means that the less the balance of the provident fund account, the lower the loan amount of the provident fund. If the balance of your provident fund account is zero, then you can't use the provident fund loan. Therefore, before applying for a provident fund loan, it is best not to tamper with the balance of the provident fund account, unless you never intend to buy a house with a provident fund loan.
5. Both provident fund loans and commercial loans need good personal credit. If your personal credit is flawed, even if you get a provident fund loan, the loan amount is often not too high. If your personal credit record is not good, then you can't buy a house with a provident fund loan! Therefore, everyone must pay attention to keeping personal credit information!