What are the provident fund online loans?
Provident fund online loans:
1. Yirendai, you can apply for a loan of up to 200,000 yuan with your provident fund. Application conditions: Aged between 22 and 55 years old, continuously paying provident fund, and having good credit.
2. You and I can apply for a loan of up to 50,000 yuan with provident fund. Application conditions: good credit, ability to be civilly responsible, and continuous payment of provident fund.
3. CITIC Bank Miao Miao Loan, its loan limit is up to 300,000 yuan, application conditions: 2 consecutive years of provident fund deposits, good credit, and a CITIC Bank savings card. Which platform can I use my provident fund to get a loan?
You can use your provident fund to get loans on these platforms:
1. Minsheng Bank: To apply for a Gongxidai credit loan, you must pay the provident fund continuously for more than one year, and the monthly deposit amount is not less than 500, personal credit is good.
2. China CITIC Bank: Xinmiaodai credit loan also supports applications from provident fund users. In addition to meeting the basic conditions, users' provident funds cannot have abnormal withdrawal records.
3. Guangfa Bank: There is a provident fund credit loan, which will refer to the provident fund deposit record. If you have provident fund, you must take out online loans
What are the must-take online loans if you have provident fund in 2022?
1. Youqianhua
Youqianhua is a provident fund loan platform and a loan product launched by Duxiaoman Financial, a subsidiary of Baidu. Users with provident funds can choose to certify provident funds when verifying their information. Generally speaking, loans with good credit are between RMB 30,000 and RMB 50,000.
2. Yixianghua
Yixianghua is also a platform for provident fund loans. Recently, it has opened a channel for authorizing provident fund increases. Brothers who have obtained the amount can also do so. The provident fund is authorized to raise the amount. Normally, users with punch-in wages or provident fund will have a certain amount increase after they are granted credit.
3. Zhongyuan Consumer Finance
Zhongyuan Consumer Finance Loan Platform has a provident fund loan model, which is mainly for users who pay provident funds. They need to pay provident funds continuously for more than 12 months, and the maximum amount is 20 Ten thousand yuan can be recycled within one year, and the interest is calculated on a daily basis, which is very suitable for users with provident funds.
4. Gome Easy Card
Gome Easy Card is a credit loan platform owned by Gome. During the application stage, provident fund certificates can be provided for certification. If you have provident fund, you can make a payment quickly. It can provide loans of up to 200,000 to borrowers with provident funds, with a maximum installment period of 3 years and a monthly interest rate of 0.66%. Users who have certified provident funds only need to wait for the loan after being approved. When the personal provident fund account is in normal payment status, it is best to make continuous contributions for more than 6 months to get passed.
5. CCB Quick Loan
CCB Quick Loan is a purely online personal credit loan product under China Construction Bank that is open to high-quality CCB cardholders. The maximum amount that can be applied for CCB Quick Loan is 200,000, and the use period is 36 months. For individuals who have paid monthly provident fund contributions for 6 months or more (6 months is the minimum standard), the amount is generally about 100 times the balance of provident fund payments, with a maximum of 300,000. If the provident fund monthly payment is 500, then your loan limit is up to 50,000.
6. Jinsi Loan
Jinsi Dai 51 Provident Fund Manager is a personal provident fund credit loan product open to users who hold provident fund accounts. Currently, Jinsi Loan is the most open The amount that can be applied for is 50,000, and the use period can be in installments up to 24 months. When applying, you need to provide personal identity verification and facial recognition, and then you need to have a provident fund account verification that has been paid continuously for three months and the monthly deposit base is greater than 300. OK. In fact, 51 Provident Fund Manager has many provident fund-related loan products, such as Jinyi Loan, Jinjia Loan, Jinka Loan, etc. You can apply directly through the entrance link below.
7. China Merchants Bank Flash Loan
Flash Loan is a purely online personal credit loan product operated by China Merchants Bank Co., Ltd. that is open to individuals for application. Currently, Lightning Loan is The maximum amount that can be applied for is RMB 300,000, and the maximum usage period is 24 months. In fact, the amount of flash loans is a revolving amount that can be borrowed and repaid at any time, with interest calculated on a daily basis.
User groups with good personal credit, who often use CMB for financial management or salary payment, have provident funds, or pay normal personal taxes every month can apply for flash loans. Provident fund loan platforms include Wage Wallet, Yirendai, Kakadai, Houqiang, Lixin Express Finance, etc. They're all pretty reliable.
Salary Wallet: The salary wallet is a platform where you can apply for a loan if you have a provident fund; Yirendai: Users need to provide identity information, work information, bank statements, contacts, credit cards, credit reports, provident funds, and income. You can get a loan with proof, etc.; Kakadai: Users of Kakadai need to provide identity information, credit card, credit report, provident fund, and can get a loan. The borrower is between 20 and 50 years old.
Provident fund usually refers to housing provident fund, sometimes also refers to company provident fund. The housing provident fund refers to the long-term housing savings deposited by state agencies, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social groups and their employees.
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What are the uses of provident funds:
1. Loans or withdrawals. The most common use of housing provident funds is loans. If you don't need a loan, you can withdraw it when buying a house. Provident fund loans are a common way to buy a house, and the interest rate of provident fund loans is much lower than commercial loans, so more people are willing to use provident fund loans to buy houses. For specific amounts and interest rates, you can refer to local loan policies, or consult local provident fund management departments And the unit's human resources department, etc.
2. Rent. Housing provident funds can also be used for renting, a use few people know about. If some friends are still renting a house, the provident fund can also be withdrawn at this time to pay the rent. Renters can apply to withdraw the provident fund to pay the rent and reduce their life pressure. The provident fund can not only pay the rent of economic rental housing with rent or government subsidies, but also the rent of market rental housing, so that you no longer have to worry about rent.
3. Critical illness payment. One of the most common uses of the housing provident fund is that it can be used to see a doctor and pay for medical expenses for major illnesses. Not many friends may know this. Now, in addition to medical insurance that can subsidize some of our daily medical expenses, the provident fund can also be used to pay for medical expenses for major illnesses. Withdrawals are used to pay for medical expenses, so under the dual protection of medical insurance and provident fund, the burden of medical expenses is also greatly reduced.