Provident fund credit consumption loans refer to RMB loans issued by China Postal Savings Bank to customers who deposit housing provident fund for various legitimate consumption purposes under the maximum revolving credit line.
The borrower should meet these conditions at the same time: the borrower works in government agencies, institutions, state-owned enterprises and listed companies, except for self-employed customers of state-owned enterprises and listed companies; People's Republic of China (PRC) (China) citizens aged between 25 and 60; Deposit provident fund in the same local unit of the loan bank for 24 consecutive months (including 24 months); The monthly contribution of provident fund (individual part) is not lower than that of 700 yuan.
The credit line of the customer shall not exceed (8 times of the individual monthly deposit of the borrower's provident fund-the average monthly repayment amount of other liabilities of the borrower except personal housing loan and credit card overdraft) ×30, and the maximum limit for a single household shall be 300,000 yuan.
When applying for a loan, the borrower must provide valid identity documents and income proof materials to the Postal Savings Bank. For income proof materials, the borrower must provide the inquiry proof about the provident fund stamped with the seal of the provident fund center, or print or take screenshots of the inquiry information of authoritative third-party platforms such as official website, official WeChat official account or Alipay under the witness of the account manager. If the spouse is from co-borrower, the spouse information should also be provided.
How to apply for the provident fund credit loan of the Postal Savings Bank;
1. The applicant should fill in a written application form for provident fund loan at the bank and submit relevant materials, such as the applicant's provident fund deposit certificate, the applicant's valid house purchase agreement, personal identification certificate, etc.
2. After the applicant's loan information is submitted completely, the bank will review it in time and submit it to the provident fund center.
3, provident fund center is responsible for loan approval, and timely feedback to the bank approval results.
4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results, and sign the loan contract and other agreements. After the bank submits the loan contract and other procedures to the provident fund center for review, the provident fund center will entrust the bank with funds to issue loans on time.