1. What should I do if the amount of provident fund loans is insufficient?
After paying the provident fund, if you want to buy a house or a car, you can use the provident fund loan, and the interest of the provident fund loan will be much lower than other commercial loans. However, it should be noted that if you find that the provident fund loan amount is not enough when buying a house, you can actually apply for a commercial loan, or increase the down payment of the house to reduce the loan amount, so it doesn't matter if the provident fund loan amount is not enough. In addition, you can directly give up provident fund loans and choose commercial loans, so that the balance in the housing provident fund account can be directly used to repay commercial loans and reduce your economic pressure. It should be noted that everyone's actual situation is different, and you can choose a solution according to your actual situation.
Second, the conditions for applying for portfolio loans
When you buy a large commodity, you may need a loan if the amount is not enough, but if the loan amount is too small to meet your shopping needs, you need to apply for a portfolio loan. The application of portfolio loan also needs certain conditions, such as legal status and timely payment of housing provident fund. In addition, we must have stable economic income and good credit. After all, it is a credit society now. If our credit is bad, then banks are also afraid that people with bad credit will not pay back the money. It should also be noted that there must be relevant purchase contracts or other supporting documents required by the lending bank.
Finally, a loan can relieve a person's temporary economic pressure, but when lending, you must find a formal way, not a usurer, or you will be involved all your life.