Yes. Because after the first use up, the monthly provident fund will be accumulated with the monthly salary. It is estimated that the amount that can be loaned is not very much. It is recommended to combine the provident fund with a commercial loan, or use the provident fund after a commercial loan. Repaying the loan.

How to borrow a provident fund loan and how much is the amount?

1. How to borrow a provident fund loan, the process of providing a provident fund loan: Borrowers applying for a provident fund loan must submit a written application to the bank and fill in the provident fund loan application Form → Bank acceptance review, submit to the Provident Fund Center → Provident Fund Center for approval, notify the bank of the approval results → Applicant goes through loan procedures → Handles real estate mortgage registration → Grants loan;

2. What is the amount of provident fund loan? Generally speaking, the loan limit of each provident fund loan shall be based on the city's maximum provident fund loan limit, loan limit calculation formula, down payment ratio, loan repayment ability coefficient, credit status and other regulations. After comprehensively evaluating the actual situation of the borrower applicant, the lowest The value is determined. At present, most cities have stipulated the maximum amount of a single provident fund loan, which generally does not exceed 70% of the total price of the house;

3. How much is the amount of a provident fund loan? In many places, it is based on the borrower applicant. If the balance and deposit time of the housing provident fund account of the same applicant are calculated, the loan amount for two or more employees who meet the housing provident fund loan conditions = (the balance of the loan applicant's deposit *** the balance of the borrower's deposit) ×Payment time factor×20 times; Single employee loan limit = Borrower’s deposit balance×Deposit time factor×20 times;

How to get the most provident fund loans

1. How to get the most provident fund loan Method 1: Do not withdraw the provident fund. In most cases, the lender's deposit base is high, and the loan amount will naturally be much higher. If the deposit base is high and the provident fund is not withdrawn, the greater the balance, the higher the loan amount;

2. How to get the most provident fund loan Method 1: Increase the down payment amount. If you want a higher provident fund loan amount, your down payment amount should be higher. For example, if a house costs 2 million yuan and you pay 1 million yuan, then your provident fund loan amount should be at least 500,000 yuan, because your down payment ratio is very high;

3. How to get the most provident fund loans Method 3: Maintain a stable job. People with stable jobs, especially civil servants and staff of large state-owned enterprises. When they apply for provident fund loans, the quota will be larger, because these jobs are very stable and their income is naturally guaranteed, so when they apply for provident fund loans, they will get more quotas...

4. How to get the most provident fund loans Method 4: Reduce your liabilities. If you want a provident fund loan, it is best to have no debt when applying for a provident fund loan, because debt will reduce the amount of the provident fund loan;

5. How to get the most provident fund loan. Method 5: Maintain good credit. Credit is very important for loans. Before applying for a provident fund loan, it is best for you and your spouse to have no bad records such as overdue credit.