As the time comes, more and more buyers begin to focus on provident fund loans due to the increasingly severe restrictions on commercial loans of banks. Many property buyers think that the amount of provident fund loans is closely related to the balance in the account. Generally speaking, according to the general situation in the region, the amount of provident fund loans is usually 15-2 times the balance. This statement is generally recognized by the majority of property buyers, so many people are afraid to withdraw provident fund under any circumstances, for fear of affecting future provident fund loans. For example, personal credit investigation, for example, Xiaoming and Xiaogang have been employed in the same company for three years, during which Xiaoming has never withdrawn the provident fund record, while Xiaogang has withdrawn the provident fund for one year because of renting a house; On the other hand, Xiaoming's credit card has been overdue for three times in the past year, and Xiaogang has maintained a perfect personal credit. In this case, even if the balance of Xiaogang's provident fund is not as good as Xiaoming's, due to the credit problem, Xiaogang may lend a higher amount, and Xiaoming faces the risk that the amount will be reduced or even refused. In addition, in fact, the standards for approving the amount of provident fund loans vary from place to place. In some cities, the balance of provident fund accounts may not have a direct impact on the amount. The loan amount in Beijing depends on the appraised value of the house, monthly deposit, loan application period, down payment and construction area. 1. Calculate the loan amount according to the monthly income, the monthly deposit amount and the borrowing period. The calculation method is as follows: the maximum loanable amount = (monthly family income-Beijing basic living standard)/the monthly repayment amount per 1, yuan of loan for the loan period, where the monthly income = the monthly deposit amount of individual housing provident fund ÷ the proportion of housing provident fund deposit. 2. Calculate the loan amount according to the down payment and the appraised value of the house: At present, the down payment for 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. Iii. Assessing the loan amount according to the housing area At present, the applicant (individual or husband and wife) who purchases policy housing or the first set of self-occupied housing with a building area of 9 square meters (inclusive) has a maximum single loan amount of 1.2 million yuan for housing provident fund. If you buy a non-policy house or a second house with a Taoxing construction area of over 9 square meters, the maximum loan amount is 8, yuan. In short, at present, in applying for provident fund loans in Beijing, besides the monthly income, monthly deposit and loan period, the conditions such as the maximum amount of a single loan and the minimum down payment will also be considered. Although the account balance has no direct impact on the loan amount, you can only apply for provident fund loans if you pay the provident fund for six consecutive months. For details, please refer to Beijing Housing Provident Fund Management Center. When Shanghai applies for housing provident fund, the loanable amount depends on the balance of the provident fund account, the monthly deposit amount, the age of the lender, the appraisal value of the house and other factors. At present, according to the latest regulations, if there is no record of housing and provident fund loans in this city under the name of the employee's family, it is recognized as the first set of housing. If it is recognized as the first set of housing, the differentiated credit policy of provident fund will remain unchanged. That is, the down payment ratio of housing provident fund loans is not less than 2% for families whose employees purchase the first set of self-occupied houses and whose Taoxing construction area is below 9 square meters (inclusive); For families who purchase the first set of self-occupied houses with a floor area of over 9 square meters, the down payment ratio of housing provident fund loans shall not be less than 3%. However, the second suite had a new adjustment at the end of last year. According to the regulations, if it was identified as the second set of improved housing, the interest rate of provident fund loans was adjusted to 1.1 times that of the first set of housing loans in the same period; The maximum family loan amount is adjusted to 8, yuan (the maximum individual loan amount is adjusted to 4, yuan), and the supplementary provident fund is adjusted to 1 million yuan (the individual is adjusted to 5, yuan); The down payment ratio of provident fund loans, ordinary housing shall not be less than 5%; Non-ordinary housing shall not be less than 7%. In addition, the Shanghai Provident Fund also stipulates that the balance affects the amount of provident fund loans. The proportion of the monthly repayment amount of Shanghai's provident fund loans to the monthly salary base is adjusted to no more than 4%; The multiple of storage balance for calculating the loan amount of provident fund is adjusted to 3 times, and the multiple of storage balance for supplementary provident fund is adjusted to 1 times. From the examples of Beijing and Shanghai, we can see that the balance of provident fund does not directly affect the loan amount. If you have a plan to buy a house with provident fund loans, don't take the balance too seriously. After all, there are many conditions that affect the loan amount. We need to make more efforts to get a higher loan amount.

Legal objectivity:

Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall, within 15 days from the date of accepting the application, make a decision on whether to grant or not to grant loans, and notify the applicant; If the loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.