Before applying for a loan, borrowers usually carefully evaluate their personal qualifications, and then inquire about the bank's loan interest rate, hoping to choose a suitable bank to apply for a loan. Many banks have provident fund credit loans, which one has low interest? Share four bank provident fund credit products with extremely low interest rates for everyone!
Which provident fund credit loan has low interest?
1, public credit of Bohai Bank
Public Credit of Bohai Bank is a provident fund credit product under Bohai Bank, which can be repaid in 12 months at the longest. The interest rate is as low as RMB 10,000 per day. The borrower can apply for a maximum credit line of 300,000 yuan, requiring that there are no consumer loans from other banks in the provident fund system, and the total credit line of provident fund consumer loans does not exceed 500,000 yuan.
2. Minsheng Bank is willing to lend.
Minsheng Bank has a maximum loan amount of 500,000 yuan and a maximum loan period of 3 years, with monthly interest payment and repayment at maturity. The borrower is required to be at least 25 years old, have good credit, have the repayment ability and asset strength for you, continuously pay the local provident fund 1 year or more, and the monthly payment is not lower than that of 500 yuan, and meet other bank regulations.
3. Public Credit of Guangfa Bank
The maximum amount of the credit loan of Guangfa Bank's provident fund is 500,000 yuan, which is a one-time credit with a validity period of 5 years. It can be recycled and repaid with the loan. The borrower is required to be at least 25-55 years old, pay the fees in the local area for more than 6 consecutive times and still pay the fees normally, and the monthly payment is not lower than that in 600 yuan.
4. ICBC provident fund loan
ICBC's provident fund loan requires the borrower to continuously pay the provident fund for more than one year, with a base of more than 6,000. The longest installment period is 5 years, and the lowest interest rate is 300,000 yuan. It is required that the borrower's credit information cannot be related for three times and six times in the past two years, and the inquiry is unlimited.
The above is the related content sharing of "which provident fund credit loan has low interest rate", hoping to help everyone!
How to handle the credit loan of ICBC provident fund? What conditions do you need to apply for ICBC provident fund credit loan?
Although the basic conditions for loan applications from various banks are similar, in the actual loan application process, the borrower's loan products and personal qualifications are different, and the final application results will be very different. Many borrowers have asked, how to handle the ICBC provident fund credit loan? What conditions do you need to apply for ICBC provident fund credit loan?
How to handle the credit loan of ICBC provident fund?
First of all, the borrower needs to submit a written loan application, and submit his personal data, credit report and other related contents to the bank for approval. The bank will conduct preliminary examination and approval, and then submit the information to the local housing provident fund management department, and the relevant results will be given after examination and approval.
After the borrower's application for provident fund credit loan is approved, ICBC will notify the borrower to sign a loan contract at the bank and go through the relevant formalities. After that, the borrower needs to go to ICBC to fill in the repayment card and other related contents, and ICBC will arrange the loan. After the loan is completed, the borrower needs to repay the loan in strict accordance with the repayment date and amount agreed in the contract.
If the borrower wants to repay the loan in advance, he needs to apply to the bank for prepayment at least 7 working days in advance. After the bank agrees, the borrower will go to the bank to handle the contract change with the loan contract and other related materials.
What conditions do you need to apply for ICBC provident fund credit loan?
1. The applicant needs 18-year-old natural person with full capacity for civil conduct.
2. The applicant has good personal credit information, and there shall be no credit stain of overdue repayment.
3. The applicant has a stable source of income and the economic strength to repay the loan on time.
4. Meet other loan requirements of China Industrial and Commercial Bank.
The above is the sharing of "how to handle the credit loan of ICBC provident fund", hoping to help everyone!
How to apply for ICBC provident fund credit loan? I'll give you the answer in a minute.
When applying for provident fund loans, if there is no urgent need, most people will choose to use provident fund to apply for consumer loans. Not every financial institution supports borrowers to apply for provident fund credit loans. How does ICBC apply for provident fund credit loan? Give everyone an answer in one minute!
How to apply for ICBC provident fund credit loan?
First of all, the borrower needs to submit a written loan application, and submit his personal data, credit report and other related contents to the bank for approval. The bank will conduct preliminary examination and approval, and then submit the information to the local housing provident fund management department, and the relevant results will be given after examination and approval.
Conditions for applying for ICBC provident fund credit loan: 18 years old or above, with full capacity for civil conduct; Have good personal credit, and no credit stain of overdue repayment; Have a stable source of income and the economic strength to repay loans on time; The provident fund has been paid continuously for more than 6 months.
After the borrower's application for provident fund credit loan is approved, ICBC will notify the borrower to sign a loan contract at the bank and go through the relevant formalities. After that, the borrower needs to go to ICBC to fill in the repayment card and other related contents, and ICBC will arrange the loan. After the loan is completed, the borrower needs to repay the loan in strict accordance with the repayment date and amount agreed in the contract.
If the borrower wants to repay the loan in advance, he needs to apply to the bank for prepayment at least 7 working days in advance. After the bank agrees, the borrower will go to the bank to handle the contract change with the loan contract and other related materials.
The above is the related content sharing of "How to apply for ICBC provident fund credit loan", hoping to help everyone!
So much for the introduction of ICBC provident fund credit loans.