1. How to apply for a Provident Fund credit loan?

Provident Fund loan application: Applicants need to apply to the trustee bank corresponding to the property, and submit the application at a Provident Fund loan business outlet.

Applicant qualification review: After the applicant submits the provident fund loan application materials, the provident fund center will accept the loan application and needs to review whether the lender meets the loan qualifications. The trustee bank needs to confirm the acceptance of the provident fund loan from the applicant. Within five working days, a decision is made on whether to grant a loan or not. If the provident fund loan application is approved, the provident fund center or the trustee bank will notify the borrower to go through the signing procedures.

Notes on provident fund credit loans

Some people like to use credit cards for consumption, but they cannot afford to repay the money after spending too much. Overdue delays may last more than half a year. Some people have credit cards that have not been used for a long time and have incurred annual fees and unpaid card fees, resulting in overdue payments of more than half a year. But no matter what the situation is, as long as such overdue credit is recorded in the personal credit report, the consequences will be very serious.

If the loan applicant has used a personal loan before and has a record of not repaying a loan for 24 periods, it is impossible to apply for a provident fund loan.

2. How to get a provident fund loan with a credit card?

A provident fund loan is not a credit card but is applied for with a debit card. As long as you have good credit, have paid a lot of provident fund and meet the bank's application conditions, you can apply online through mobile banking

3. Provident fund loan Do I need to pay off all credit card debts before I can get a loan?

When applying for a provident fund loan, you do not need to pay off the credit card debts. You only need to have no overdue payments during the period of use of the credit card. Just the situation that affects your credit report.

Take Zhengzhou Housing Provident Fund as an example. According to the "Housing Provident Fund Loan Instructions" issued by the Zhengzhou Housing Provident Fund Center, regarding loans

1. The borrower and his spouse have valid identity certificates;

2. The specified proportion of down payment has been paid, the down payment loan amount = the total price of the property, and the house payment has not been paid in full;

3. The loan has been paid in full and 6 housing provident funds have been deposited Months (inclusive) or more, and the recent outstanding payment does not exceed 4 months;

4. The family income is stable, the credit is good, and the ability to repay the principal and interest of the loan;

5. Agree to provide housing Loan guarantee method approved by the Provident Fund Management Center;

6. The borrower and the allocator have housing provident fund loans or larger debts.

4. If the credit card debt is not overdue and there is no credit stain, can I apply for a provident fund loan?

Hello, you may not be able to apply for a provident fund loan