Chengdu provident fund loan amount inquiry

Inquiring about the loan amount of Chengdu provident fund refers to inquiring about the maximum loan amount that individuals can get when using provident fund loans in Chengdu through relevant channels. The determination of the loan amount of Chengdu provident fund is usually based on many factors, including the borrower's provident fund deposit, credit record, repayment ability, the value of the house purchased, etc.

First, understand the influencing factors of provident fund loan amount

In Chengdu, the determination of the amount of provident fund loans is not a simple figure, but a comprehensive evaluation based on many factors. First of all, the personal provident fund deposit is an important reference factor, including the deposit period and the deposit amount. Secondly, the borrower's credit record and repayment ability are also important factors considered by banks or provident fund management centers. In addition, the value, type and location of the house purchased will also have an impact on the loan amount.

Second, the inquiry method of provident fund loan amount

1. Online inquiry: The borrower can inquire through official website of Chengdu Housing Provident Fund Management Center or the mobile phone APP. After registering and logging in personal account, you can inquire about personal provident fund deposit, loan amount and other related information.

2. Offline inquiry: The borrower can also inquire at the business processing window of Chengdu Housing Provident Fund Management Center. After providing personal identification certificate, provident fund deposit certificate and other related materials, the staff will assist in the inquiry and inform the loan amount.

Third, matters needing attention

Borrowers should pay attention to the following points when inquiring about the amount of provident fund loans: First, ensure that the personal information and materials provided are true and accurate, so as not to affect the inquiry results; Secondly, understand the loan policies and requirements of different banks or provident fund management centers in order to choose the most suitable loan scheme; Finally, plan your repayment plan reasonably to ensure that you can repay on time and avoid unnecessary interest and fines.

To sum up:

Inquiring about the loan amount of Chengdu provident fund is a process involving many factors. Borrowers need to know all kinds of factors that affect the loan amount and master the correct inquiry method. In the process of inquiry, borrowers need to pay attention to providing true and accurate personal information and materials, and understand the loan policies and requirements of different banks or provident fund management centers. By reasonably planning the repayment plan, borrowers can make better use of provident fund loans and realize their dream of buying a house.

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. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

People's Republic of China (PRC) Securities Law

Article 33 provides that:

The term "mortgage" as mentioned in this Law means that the debtor or a third party does not transfer the possession of the property listed in Article 34 of this Law, and uses the property as a guarantee for the creditor's rights. When the debtor fails to perform his debts, the creditor shall have the right to discount or give priority to compensation with the price of auction or sale of property in accordance with the provisions of this law.