1. How to apply for a provident fund credit loan from Ping An Bank

Ping An Bank provident fund loan process: Submit information: When the borrower applies for a provident fund loan to the management department of the provident fund management center where the provident fund is deposited, the borrower applies for a provident fund loan. If you choose the guarantee center to provide guarantee, you should submit all the materials required for personal loan application, including the materials required for guarantee application, including personal and spouse’s ID cards, household registers, marriage certificates, divorce certificates, and proof of down payment for house purchase. House purchase contract, housing provident fund payment certificate, etc. Issuing a Guarantee Application Review Notice: After the management department passes the preliminary review of the loan application, it will issue a "Guarantee Application Review Notice", print out the "Loan Contract", "Mortgage (Counter Guarantee) Contract" and other relevant legal documents, and submit all personal loan information to and Guarantee Center. Approval of guarantee application: The guarantee center will review the guarantee application. If the borrower meets the guarantee conditions, the guarantee center will issue a "Guarantee Application Approval Opinion"; if the borrower entrusts an intermediary agency to handle the provident fund loan, the guarantee application procedures will be handled by the agency. Collect guarantee service fee. (Note: The agency agency must have the qualification certification of the Beijing Housing Provident Fund Management Center and sign a cooperation agreement with the guarantee center.) Payment: The borrower pays the guarantee service fee based on the approved "Guarantee Application Approval Opinion". The Guarantee Center issues invoices for guarantee service fees, and stamps the official seal of the Guarantee Center on approved legal documents such as the Loan Contract, Mortgage (Counter Guarantee) Contract, and Collection Contract. Material transfer: The reviewed personal loan application materials (including the stamped contract) will be forwarded by the Guarantee Center to the Housing Provident Fund Management Department; if an intermediary is entrusted to handle the application, the intermediary will be responsible for the transmission of the above information. Signing the contract: The Housing Provident Fund Management Department supervises and guides the borrower applicants to sign on the "Loan Contract", "Mortgage (Counter Guarantee) Contract" and other relevant legal documents. Provident fund loan conditions: 1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans. 2. Those who participate in the housing provident fund system must also meet the following conditions when applying for a housing provident fund personal home purchase loan: that is, they must have continuously paid and deposited the housing provident fund for no less than six months before applying for a loan. This is because if employees’ behavior of paying housing provident funds is abnormal and intermittent, it means that their income is unstable and risks will easily arise after the loans are issued. 3. One spouse has applied for a housing provident fund loan. Before the spouse has repaid the principal and interest of the loan, neither spouse can obtain another housing provident fund loan. Because housing provident fund loans are financial support provided to meet the basic housing needs of employee families, and are a type of "housing security" financial support. 4. When a loan applicant applies for a housing provident fund loan, in addition to having a relatively stable economic income and the ability to repay the loan, the loan applicant must have no other debts that have not yet been repaid in a large amount that may affect the repayment ability of the housing provident fund loan. When employees are burdened with other debts, granting housing provident fund loans is very risky and violates the principle of safe operation of housing provident funds. 5. The maximum term of provident fund loans shall not exceed 30 years. When applying for a portfolio loan, the loan terms of the provident fund loan and the commercial housing loan must be consistent.

2. Will Ping An Bank’s provident fund credit loan affect the purchase of a house?

The loan will review the borrower’s comprehensive qualifications. Whether the loan can be loaned shall be subject to the final review result.

Response time: 2020-06-0. The official website announcement shall prevail.

3. What is the process for applying for provident fund at Ping An Bank?

1. Eligible borrowers submit provident fund loan applications to Ping An Bank. Ping An Bank will then conduct a qualification review based on the borrower’s provident fund deposits, personal assets and loan application status. After the review is passed, the bank will Inform the applicant in writing via email;

2. After being approved for a provident fund loan by Ping An Bank, the staff will remind the applicant what materials need to be prepared in advance. Whether you are applying for a loan to purchase a first-hand house or a second-hand house, you need The materials to be prepared are roughly as follows:

1. Proof of identity;

2. Proof of marriage;

3. Proof of employment and income;

4. Information on the purchased property.

3. Ping An Bank will release provident fund loan funds according to the agreed time, which usually takes about 20 to 30 days. After obtaining the loan funds, the borrower must repay the loan on time according to the contract to avoid affecting the personal bank credit rating.

4. What materials are required to apply for a provident fund loan from Ping An Haodao?

1. Age requirement: 23~55 years old 2. It is required to have a bank loan or credit card 3. I must Be the insured person 4. The loan repayment time is greater than or equal to 6 months (6-12 month mortgage customers must have local household registration)