2. The total age of women plus the loan period is no more than 60 years old, and the loan cannot be made beyond that.
There is no limit on the minimum age for provident fund loans, but it is necessary to pay the provident fund in full for more than 6 months and continue to pay. The above is the relevant content of the maximum loanable age of provident fund loans.
Is the provident fund loan a bank loan?
Personal provident fund loans are not bank loans, but apply for loans from the provident fund management center. It's just that the provident fund management center entrusts the bank to make the next payment, so it looks like a loan from the bank, but it's not. The main body of personal provident fund loans is the provident fund management center, and bank loans are all commercial loans. Personal provident fund loans are secured loans guaranteed by the provident fund center, and general commercial loans are loans mortgaged by ordering commercial houses. Borrowers are individuals and lenders are banks, but the ways of guarantee and mortgage are different, the interest rates are different, and the on-balance-sheet subjects of banks are different. Personal provident fund loans are paid by the provident fund management center. Whether the application can be approved depends on whether the applicant meets the criteria for personal provident fund loans, such as having paid personal provident fund for more than six months, having a stable job, excellent personal credit information and sufficient repayment ability.
What is the proportion of provident fund loans?
According to relevant regulations, the loan ratio of individual provident fund is generally 1 to 10 to 1 to 20, in other words, the loan amount of users is generally 10 to 20 times the balance of provident fund. If both husband and wife have the same loan, the loan amount is 15 or 20 times the sum of the common reserve funds of both husband and wife. However, there are several factors that affect the amount of provident fund loans. Details are as follows:
1. Repayment ability: Personal provident fund loans generally judge the repayment ability of users by the proof of work income provided by users, and adjust the loan amount accordingly;
2. Transaction price: Whether handling commercial loans or personal provident fund loans, borrowers need to pay part of the down payment first, and the rest can handle provident fund loans.
This article is mainly about how big the provident fund loan can be borrowed, and the content is for reference only.