No housing provident fund loan balance means that the balance of the housing provident fund loan is zero.

1. The housing provident fund loan discount is not directly related to the provident fund balance.

2. There are many conditions for applying for a housing provident fund loan. Among them, the provident fund account balance, in some cities, has the following regulations; the period of continuous payment of housing provident fund for not less than six months before application, and the cumulative payment of housing provident fund The time period shall not be less than two years; the loan shall not exceed the loan limit determined by a multiple of the balance of the borrower's housing provident fund account; as each place and each person's situation is different, the local "provident fund management center" should be consulted for specific details.

3. Calculation method of the maximum amount of provident fund loanable:

1. Provident fund loans are based on the borrower's monthly personal deposit amount and deposit ratio. (Because the deposit amount and deposit ratio directly reflect the salary and repayment ability)

2. Provident fund loans require an evaluation company designated by the provident fund to evaluate the house (look at the layout, area, floor, and community environment of the house) , house age and decoration, etc.) The final loan is based on 60-80% of the appraised value.

The lower of the above two options is the maximum loan amount.