? If I want to borrow 600,000 yuan from provident fund, how much deposit base do I need?

This needs to be determined based on your local provident fund policy. There are several situations:?

a

1. If it is based on the payment base instead of income Prove that when calculating the loan amount, the loan cannot be 600,000. The reason is: a loan of 600,000 yuan, a loan period of 17 years, and a monthly repayment of 3,832.00 yuan, which is already more than half of the deposit base?

2. If the loan amount is calculated based on the income certificate, the income certificate must be provided Open to more than twice the monthly payment of 3832, that is, more than 7664 yuan?

3. Another situation is that the local provident fund loan limit is determined by the balance of the provident fund account, so it is necessary to comprehensively consider the deposit base and account In short, the provident fund policies are implemented differently in different places. It is best to consult the local provident fund management center directly.

b

In addition to the deposit base requirements, provident fund loans also need to meet the following loan conditions:?

1. The borrower has full capacity for civil conduct;

2. Have a formal urban household registration or valid residence status in this city;

3. Have a stable economic income, good credit, and the ability to repay the principal and interest of the loan;

4. Pay the housing provident fund normally before borrowing and pay continuously for more than six months;

5. Be able to provide a valid contract or agreement for the purchase of self-occupied housing;

6. The borrower It must be consistent with the buyer in the house purchase contract, and the person who owns the property rights of the buyer (except the spouse) must provide a written commitment to agree to the mortgage of the house;

7. The property owner must be no less than the person who purchased the house. Own funds for housing worth more than RMB 30 (more than RMB 40 for second-hand houses);

8. The borrower agrees to handle housing mortgage and insurance;

9. If purchasing commercial housing, the borrower shall The developer provides periodic guarantees and reports relevant credit materials;

10. The borrower agrees to open a personal account at the loan undertaking bank, and agrees that the loan undertaking bank will directly transfer the loan principal and interest from the account every month

What is the provident fund loan limit?

1. The loan limit is 10 times the sum of the personal account balance of the borrower, the *** who participates in the calculation of the loan limit, and the borrower; /p>

If the sum of the personal account balances is less than 10,000 yuan, it will be calculated as 10,000 yuan; for middle-to-low-income families with housing difficulties to purchase affordable housing, the loan limit can be increased by no more than 30,000 yuan. ?

c

2, or the loan amount is calculated based on the employee's repayment ability, which is voluntarily chosen by the employee. The formula for calculating the loan amount based on the employee's repayment ability is: the sum of the monthly salary base of the borrower's housing provident fund × 35 × 12 (months) × loan term. ?

3. The family loan limit is 700,000 yuan and the personal loan limit is 450,000 yuan.