Whether the application can be successful depends on the balance on the one hand, and the time of payment on the other hand, whether it meets certain standards. Some cities need to reach more than half a year, and some need to reach one year. There will be a certain deposit after one year of payment, so that is to say, when using the provident fund at ordinary times, don't withdraw it at will, otherwise it will have a certain impact on the later loan. Because the personal loan amount will be calculated according to the balance of the provident fund account 10 to 20 times.
For example, if the repayment can be normal, the personal loan can reach up to 500,000 yuan. If both husband and wife pay provident fund, the maximum loan can reach 700,000 yuan. In case of default, the maximum personal loan can only reach 400,000 yuan, and if both husband and wife have the same loan, it can reach 600,000 yuan.
legal ground
Regulations on the administration of housing provident fund
Twelfth housing provident fund management committee shall, in accordance with the relevant provisions of the People's Bank of China, designate commercial banks entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted banks). The housing provident fund management center shall entrust the entrusted bank to handle financial services such as housing provident fund loans and settlement, as well as the establishment, deposit and return procedures of housing provident fund accounts. The housing provident fund management center shall sign an entrustment contract with the entrusted bank. Twenty-eighth housing provident fund management center in the premise of ensuring the housing provident fund withdrawal and loans, approved by the housing provident fund management committee, housing provident fund can be used to buy government bonds. The housing provident fund management center shall not provide guarantees to others. Article 29 The value-added income of housing provident fund shall be deposited in the special account for value-added income of housing provident fund opened by the housing provident fund management center in the entrusted bank, which shall be used for establishing the risk reserve for housing provident fund loans, the management expenses of the housing provident fund management center and the supplementary funds for urban low-rent housing construction.