The condition of Luoyang provident fund loan is that the loan can only be made after continuous payment for more than six months, which has nothing to do with the account balance. Only when the balance is large, the loan amount is large, and when the balance is small, the loan amount is small.
Second, how much can the provident fund borrow?
First of all, answer directly.
Loans can be made for provident fund under 30,000 yuan, but when applying for provident fund loans, the conditions for provident fund loans need to be met, such as the normal status of the provident fund account and the continuous payment of the provident fund meeting the requirements. And the audit is more strict.
Second, the specific analysis
Under normal circumstances, the loan amount of the provident fund is 20 times of the balance of the 10- provident fund account, so the provident fund with less than 30,000 can't apply for a loan of 600,000 at most, and sometimes this amount is not enough. If so, the down payment ratio can be increased, but this will increase the economic pressure. Of course, it is also a good idea to choose portfolio loans and use commercial loans to make up for the shortage of provident fund loans.
Compared with commercial loans, provident fund loans are more complicated and have a longer loan period. Therefore, we should pay attention to the loan information in time. If in doubt, be sure to communicate with the provident fund center in time. You can consult local institutions before you get a loan, and then apply for a loan when you are ready.
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3. What is the proportion of provident fund loans?
The proportion of provident fund loans varies from region to region, depending on the specific loan policies of the provident fund centers in each region. Generally speaking, the amount of provident fund loans is 10- 20 times the balance of the lender's provident fund account. For details, please consult your local provident fund center.
The amount of provident fund loans is related to the balance of personal accounts. For example, if the multiple specified in a certain area is 15 times and the lender has a provident fund of 20,000 yuan in his account, he can apply for a provident fund loan of 215 = 300,000 yuan, but of course the loan amount cannot exceed the maximum loanable amount specified by the local provident fund.
In addition, the amount of provident fund loans is also related to the lender's provident fund deposit base. For example, some areas stipulate that the monthly repayment amount of the lender cannot exceed half of the lender's provident fund deposit base. In this case, even if the lender has more provident fund balance in the provident fund account, it may not be able to apply for many loans because of the low deposit base.
If you plan to apply for provident fund loans in the future, the lender should try not to withdraw funds from the provident fund account before the loan, so that you can apply for more loans.
3. How much should Luoyang Housing Provident Fund pay to apply for a loan?
Housing provident fund is not how much you can apply for a loan, but you can apply for a loan after paying for more than 6 months.
4. What is the balance of Luoyang Provident Fund account to get a loan?
The condition of Luoyang provident fund loan is that the loan can only be made after continuous payment for more than six months, which has nothing to do with the account balance. Only when the balance is large, the loan amount is large, and when the balance is small, the loan amount is small.