The amount of provident fund loans is related to the balance of personal accounts.

The loanable formula is:

Monthly contribution of loan employees to provident fund ÷ ratio of contribution of loan employees to provident fund × repayment ability coefficient (currently 0.45)× 12× actual loanable years.

The loan amount of housing provident fund is linked to the account balance. At present, the maximum multiple has been relaxed from 15 to 40. The loan amount is 200,000 yuan (excluding the supplementary provident fund loan amount), and there must be at least 5,000 yuan in the housing provident fund account. In addition, the borrower must continuously deposit the housing provident fund for 6 months before applying for a loan.

Second, the credit report shows that the housing provident fund loan account status is "transferred out". What happened?

It shows that the personal loan debt in financial institutions has been transferred, that is to say, the personal debt in commercial banks or corresponding lending institutions will be borne by a third party, and this debt account is no longer owned by individuals. Partial transfer means that part of the personal loan is borne by others, and total transfer means that all the remaining personal loans should be borne by others. If all the loans are transferred out, this part of the loans will no longer have anything to do with individuals, and no matter what happens to the loans, it will no longer affect personal credit information. The personal credit report no longer records the credit records such as repayment of the loan. 1. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must repay them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. By lending money and monetary funds, banks can meet the needs of society for supplementary funds, so as to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Two. Repayment method (1) Equal repayment of principal and interest: equal repayment of the sum of loan principal and interest every month. Housing provident fund loans and commercial personal housing loans, most banks use this method. In this way, the monthly repayment amount is the same; (2) Matching principal and interest repayment method: the borrower distributes the loan amount to each period (month) evenly throughout the repayment period, and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month; (3) Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans less than one year (including one year)), and the loan interest is calculated on a daily basis and repaid on a monthly basis; (4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance by applying to the bank. Generally it is an integer multiple of 10000 or 10000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period will be subject to the new repayment period. Do not exceed the original loan term (5) Pay off the loan in advance: that is, the borrower can apply to the bank to pay off the loan amount in advance. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures. (6) Loan repayment: interest shall be calculated on a daily basis after the loan. Payment can be settled at any time without penalty.

3. Can the application for transfer of provident fund in different places be cancelled?

1. If you change jobs during the provident fund loan application, you can get a loan by changing jobs after the provident fund review and return visit procedure, and if you change jobs before the telephone return visit of the provident fund management center, you can't get a loan, which is an act. It is suggested that it is best to choose replacement work after the provident fund loan is successfully released.

2. Since the housing provident fund will be sealed after the old unit leaves, it will take some time to go through the formalities of transferring and unsealing the housing provident fund after joining the new unit. The sealed housing provident fund may affect the loan approval, resulting in the approval not being passed. If the housing provident fund loan has been approved and the loan has been successfully issued, the suspension of the payment of the provident fund due to the resignation of the employee will not affect the repayment. It is recommended to save enough money before the deduction date and maintain a good credit record. 1. If you change jobs during the provident fund loan application, you can get a loan by changing jobs after the provident fund review and return visit procedure, and if you change jobs before the telephone return visit of the provident fund management center, you can't get a loan, which is an act. It is suggested that it is best to choose replacement after the provident fund loan is successfully released.

4. What does it mean that the personal housing provident fund loan account status is "transferred out" in the credit report?

After the housing loan is settled, the bank will give you one

There are two repayment methods for personal housing provident fund loans: monthly equal principal and interest repayment method and monthly average principal repayment method.

The monthly repayment method of equal principal and interest refers to the repayment method of the borrower on a monthly basis, but the loan principal in the monthly repayment amount increases month by month and the loan interest decreases month by month. Refers to the repayment method in which the borrower repays the principal at a fixed monthly rate and the loan interest decreases month by month.

Extended data

Housing provident fund loan conditions are as follows:

1. Only employees who have participated in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who have not participated in the housing provident fund system are eligible to apply for housing provident fund loans.

2. Individual housing provident fund loans must also meet the following conditions: that is, the housing provident fund has been continuously deposited for not less than 6 months before applying for loans. Due to the abnormal behavior of gold, it is intermittent, indicating that its income is unstable and paid.

3. One spouse has applied for a housing provident fund loan, and the spouse has made a loan before paying off the principal and interest of the loan. Because the basic housing demand provides a kind of "housing security" financial support.

4. The loan applicant has no outstanding large debts and gold loan repayment ability except the economic income of the housing provident fund and the ability to repay the loan.

5. The term of the provident fund loan shall not exceed 30 years. Used for portfolio loans, provident fund loans and commercial housing loans.