First, the provident fund deposit base and loan amount

The deposit base of provident fund is the basis for calculating the deposit amount of provident fund, and it is also one of the important factors affecting the loan amount of provident fund. Under normal circumstances, the higher the deposit base of the provident fund, the higher the loan amount will be. But even if the provident fund base is low, buyers are still eligible to apply for provident fund loans, but the loan amount may not be as high as those with high base.

Two. Other factors affecting the loan amount

In addition to the provident fund deposit base, the loan amount is also affected by other factors. For example, the longer the deposit period, the more accumulated provident fund balance, which will help to increase the loan amount. In addition, personal credit records are also an important consideration when financial institutions approve loans, and buyers with good credit records are more likely to obtain higher loan quotas.

Third, the method of increasing the loan amount.

For buyers with a low provident fund base, if you want to increase the loan amount, you can try the following methods:

1. Add * * * co-borrower: If both husband and wife apply for a loan together, or join other relatives with stable income as * * * co-borrower, it will help to increase the loan amount.

2. Optimize personal credit records: maintaining a good credit record and avoiding bad behaviors such as overdue repayment will help strengthen the trust of financial institutions in property buyers and thus obtain a higher loan amount.

3. Provide more guarantee measures: such as providing real estate mortgage, pledge or other forms of guarantee to increase the confidence of financial institutions in loans and increase the loan amount.

To sum up:

It is true that loans can be made with a low provident fund base, but the loan amount may be limited. Property buyers can increase the loan amount by increasing the number of borrowers, optimizing personal credit records and providing more guarantee measures. When applying for provident fund loans, buyers should fully understand their own provident fund deposits and comprehensively evaluate the loan amount in combination with other factors in order to make more reasonable purchase decisions.

Legal basis:

Regulations on the administration of housing provident fund

Article 26 provides that:

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

Regulations on the administration of housing provident fund

Article 27 provides that:

Applicants who apply for housing provident fund loans shall provide guarantees.

Regulations on the administration of housing provident fund

Article 28 provides that:

The housing provident fund management center can use the housing provident fund for the purchase of government bonds with the approval of the housing provident fund management Committee on the premise of ensuring the withdrawal and loan of the housing provident fund.