1. How about provident fund credit loan?

Provident fund credit loan refers to the credit loan products obtained through the record of provident fund deposit. Most banks can apply for provident fund credit loans, which have the characteristics of flexible repayment, convenient application and low interest rate, and are safe and reliable.

The bank's provident fund credit loan products will not use the balance of the provident fund deposit, but will be evaluated according to the borrower's provident fund deposit information, personal credit records, property and liabilities, and the corresponding credit line will be given. Generally, the maximum loan amount is 300,000, and the loan interest rate ranges from 3.65% to 12.96%. Assuming that the loan amount is 1 0,000 and the loan term is1year, then

In addition, the bank's provident fund credit loan supports various repayment methods, such as matching principal and interest, average capital, interest before principal, and one-time repayment of principal and interest, with a maximum loan period of three years, flexible repayment and more efficient use of funds.

2. What are the conditions for applying for provident fund credit loans?

Provident fund credit loans are safe, reliable and cost-effective, but to apply for provident fund credit loans, the following basic conditions need to be met:

1. Have a continuous normal provident fund account;

2. The borrower has full capacity for civil conduct and can provide valid identification;

3. Have good repayment ability and asset strength, and a good credit record;

4. The purpose of the loan conforms to the relevant regulations of the bank and can only be used for personal comprehensive consumption purposes, such as decoration, travel and shopping. Can't be used for investment, wealth management, house purchase, etc.

5. Meet other conditions stipulated by the bank.

Different banks have different conditions for provident fund credit loans. It is suggested to know the relevant loan conditions of banks in advance, make good preparations before lending, and improve the efficiency of provident fund credit loans.

How to borrow housing provident fund loans?

First of all, we should know that the premise of the loan is that individual employees with urban hukou and their units must pay the housing provident fund 12 months or more continuously.

The first step, the loan applicant needs to submit a written application for housing provident fund loan to the bank, and truthfully fill in the above contents of the Housing Provident Fund Loan Application Form;

Step 2, submit the relevant materials needed for the loan: the identity certificate and marriage certificate of the applicant and spouse, and the proof that the applicant and spouse's housing provident fund has been paid on time; Proof of economic income of the applicant and spouse; Contracts, agreements and other relevant certificates of the purchased house; Legal certificate and value certificate as loan collateral;

The third step, the information is complete and meets the requirements, and the bank immediately accepts the audit and submits it to the provident fund center in time;

The fourth step, after receiving the bank price increase information provided by the applicant, the provident fund center will; Immediately review, notify the bank immediately after the review is passed, and issue the Notice of Collateral Review and Evaluation;

Fifth, after the approval of the provident fund center, the bank will call the applicant to go to the bank to handle the loan procedures and sign the loan contract or agreement, and then the bank will send the loan contract or agreement to the provident fund center for approval again;

Step 6, after the approval of the provident fund center, the provident fund center signs an entrusted loan agreement with the entrusted bank;

Step 7, according to the entrusted loan agreement, the entrusted bank will go through the loan procedures with the applicant and transfer the loan after signing the Housing Provident Fund Entrusted Loan Mortgage Contract, the Housing Provident Fund Entrusted Loan Pledge Contract and the Housing Provident Fund Entrusted Loan Guarantee Contract respectively;

The eighth step is to go through the mortgage guarantee procedures, and generally there will be a guarantee company to handle it on its behalf.

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How to borrow provident fund loans?

Provident fund loan process:

1. The loan applicant shall go to the loan handling department to conduct the preliminary examination of the provident fund loan with the materials required for the housing provident fund loan application.

2 in accordance with the provisions of the need for personal credit assessment of the loan applicant, the loan applicant shall sign the "credit assessment authorization" under the supervision of the staff of the loan handling department.

3. The staff of the loan processing department prints relevant documents and tells the loan applicant how to handle the next procedure.

4. If the house purchased by the loan applicant needs to be assessed according to the regulations, the staff of the loan handling department will also issue a notice of collateral assessment to the loan applicant, and the loan applicant or entrusted agent will apply for collateral assessment at the assessment agency designated by the Beijing Housing Provident Fund Management Center.

How to borrow provident fund consumer loans? There are two main processing channels.

; ? After employees join the company, the company needs to pay individual housing accumulation fund for employees according to a certain proportion. Provident funds have many uses. Users can withdraw cash, rent a house, install elevators and apply for loans. There are many users consulting, how to borrow provident fund consumer loans? There are two main processing channels!

How to borrow provident fund consumer loans?

There are two main channels to apply for consumer loans with provident fund: banks and private small loan institutions.

1, bank provident fund consumer loan

There are many commercial banks in the market, such as Guangfa Bank, China Everbright Bank, China Merchants Bank and China CITIC Bank, which can provide consumers with provident fund consumption loans.

Take Guangfa Bank as an example, the maximum consumption loan of provident fund can reach 500,000 yuan, and a credit is valid for 5 years. The thread can be recycled and borrowed. The borrower needs to pay the provident fund for more than half a year and is over 25 years old. In addition, the amount of provident fund paid by the borrower every month cannot be lower than that of 600 yuan.

2. Private microfinance provident fund loans

Many private small lending institutions also support borrowers to use provident fund loans. The more the borrower pays the balance of the provident fund every month, the higher the loan amount that can be applied for. For example, pleasant loans usually need to authorize personal provident fund accounts to make inquiries when applying.

However, we need to remind everyone that the interest rate of provident fund consumer loans is not much worse than that of ordinary consumer loans, which is determined according to the borrower's credit situation. Borrowers with long deposit time, large base, good credit information and low debt ratio can apply for lower loan interest rate and higher approved amount.

The above is the sharing of "how to borrow provident fund consumer loans", I hope it will help everyone!