How many years is the balance loan of provident fund account suitable?

1. How many more years is it appropriate to borrow the balance of the provident fund account?

1, the interest rate of provident fund loans is very low. The more loans, the more cost-effective, and the more loans you can make. The loan term depends on your age, generally 10 years, and 20 years is more appropriate, that is, the monthly payment should not affect your daily life. If you want to borrow it once and don't apply for provident fund loans in the future, it will be 30 years.

2. If you are likely to buy a house again (for example, sell a small house for a big house) and apply for a provident fund loan, then it is 10 15. After the loan is successful and the repayment is successful in the first month, apply for repayment of the balance in the provident fund account, and make monthly or annual repayment, so that the money in your provident fund account (including the money you pay every month and the money paid by your company) can give full play.

2. How many years can the provident fund loan be borrowed?

First of all, answer directly.

The longest loanable period of provident fund loans is 30 years. You can choose the loan term according to your actual situation within this range. If you can bear greater repayment pressure, choosing a loan with a shorter term can save you some interest expenses.

Second, the specific analysis

When applying for provident fund loans, the following conditions are also required to meet the requirements.

1, personal credit is good.

2. Personal income is stable.

3. The debt ratio is not high.

4. The status of the provident fund account is normal.

5. The balance of the provident fund account is sufficient.

6. The provident fund has been continuously deposited 12 months.

7. There is no outstanding provident fund loan in the name.

8. The down payment is paid according to the regulations.

The amount of provident fund loans is related to the balance of provident fund accounts. Under the premise of not exceeding the amount of provident fund loans, the more the balance of provident fund accounts, the more provident fund loans you can apply for. Therefore, in normal times, it is still not easy to withdraw funds from the provident fund account.

There will be some differences in provident fund loan policies in different regions. You can consult the local provident fund center first when you borrow money.

If you have overdue records online, or have loan records from multiple platforms, your records will be subject to big data risk control. When your online lending platform often rejects you, even the flower garden will close. If there is any abnormality in your online hacker data, you can find that Xiaoqi Credit Information can get your own big data and credit status, various index data, and you can query your own personal credit status, blacklist, online loan application record, application platform type, overdue amount, whether there are arbitration cases and other important data information.

3. How much can I borrow from the provident fund loan?

Although there are about four ways to calculate the loan amount when borrowers apply for provident fund loans, housing provident fund centers in most areas calculate the loan amount according to the balance of borrowers' provident fund accounts.

The loan amount of the provident fund is 10- 15 times of the balance of the provident fund account, and most cities can reach 15 times. The balance of the provident fund account can be inquired through the SMS of monthly payment of the provident fund, or through Alipay and WeChat city service.

Borrowers can know the maximum loan amount of their provident fund as long as they can check their balance.

Assuming that the borrower's provident fund balance is 50,000 yuan, then according to the calculation, the maximum loan can be 750,000 yuan through the provident fund.

Of course, the above is only a theoretical calculation method.

Because according to the regulations, the maximum amount of application for provident fund loans in the name of individuals cannot exceed 600,000 yuan.

If the borrower is in the name of husband and wife, the maximum loanable amount is 6.5438+0.2 million yuan.

If the borrower is applying to buy a second home, the loan amount will drop a lot.

For example, if you buy the first suite in Wuhan, the maximum amount of provident fund loan is 700,000, and the maximum amount of second suite loan is 500,000.

3. How many years is the most appropriate provident fund loan?

My 20w20-year loan is paid back to 1200 hospital every month.

Of course, the longer you borrow money, the less money you get every month, but the more money you pay back.

It depends on your current salary. You'd better work out how much you pay each month. The provident fund has a quota table. You have to go home and do the math yourself.

If you earn more every month, the less time you have to borrow money, the better. You can save more interest.

How can 44,000 provident fund loans be more cost-effective?

For people with stable income, the average capital method is generally used to save interest expenses, but your loan time is short, and there is not much difference between the two. Want to borrow money to make money, borrow more and pay back more, and pay back slowly, in order to make more money. If you don't want to make money by borrowing money, it's more reasonable as soon as possible. Therefore, there is nothing uneconomical, just look at your personal financial needs. The provident fund loan is 260,000 yuan. After three years, the repayment of principal and interest in one month is 7,943.72 yuan, and it will be reduced by 20.04 yuan every month in the next three years. This is more than 200 yuan less than the three-year equal principal and interest repayment method, and the monthly repayment amount is slightly less:) In fact, your income situation can't be taken seriously at all. If you really want to be bold, you can consider borrowing more,100000 to repay the loan,100000 to pay off the loan with average capital, hehe.