Banks that can use provident fund loans include: China Construction Bank, Agricultural Bank, China Bank, Postal Bank, Rural Commercial Bank, China Merchants Bank, China CITIC Bank, Minsheng Bank, China Everbright Bank, Bank of Communications, Ping An Bank, Huaxia Bank, China Guangfa Bank, Shanghai Pudong Development Bank, Industrial Bank, Zhenxing Bank and WeChat Commercial Bank.
In addition, some local banks have also set up provident fund loans, such as Chengdu Tianfu Bank, bank of tianjin Bank, Chengdu Bank, Chongqing Bank, etc. Some financial lending institutions, such as Pacific Insurance, Sunshine Insurance, 360 Finance, New World, etc., can also apply for provident fund credit loans according to the borrower's provident fund deposit records.
Provident fund loans are divided into housing provident fund loans and provident fund credit loans. General state-owned banks can apply for housing provident fund loans. In addition, some commercial banks and financial lending institutions can apply for provident fund loans.
Provident fund consumer loans are loans for provident fund depositors. As long as the provident fund deposit reaches a certain period, you can apply for a consumer loan. At present, the loan interest rates of major banks for provident fund housing loans are the same, with an annual interest rate of 2.75% for less than five years and 3.25% for more than five years. At present, the interest rates of banks that handle provident fund credit loans are relatively low, such as Agricultural Bank, China Bank, Postal Bank and China Construction Bank, and the loan interest rates range from 2. 16% to 3.84%.
Which banks are the provident fund loans?
Agricultural Bank of China and other 18 banks can do it. You can call the customer service phone of the bank for consultation.
1. You can consult the bank service number first.
2. Choose the bank that is most convenient for you.
3. Take relevant documents to the bank.
1. Provident fund loan refers to individual housing provident fund loan, which is a housing mortgage loan issued by the housing provident fund management center by entrusting commercial banks to purchase, build, renovate and transform housing provident fund depositors and retired employees who paid housing provident fund during their employment. Employees who have paid housing provident fund for a certain period of time or more (the period varies from city to city, such as Changsha1February or more) may apply for provident fund loans when the funds for purchasing and building houses are insufficient. Insufficient renovation and overhaul of self-owned housing.
The loan conditions are: the employees of this unit have signed labor contracts for more than 3 years (or signed 1 year labor contracts for 3 consecutive years); Land use certificate, provident fund deposit certificate, etc.
2. Loan conditions
Answer: 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.
B. Participants in the housing provident fund system must also meet the following conditions when applying for individual housing provident fund loans: they must continuously deposit housing provident fund for at least 6 months before applying for loans. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.
C one of the husband and wife has applied for a housing provident fund loan, and neither husband nor wife can obtain a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic needs of employees and families.
D when applying for housing provident fund loans, the loan applicant has no outstanding debts that may affect the repayment ability of housing provident fund loans, except for relatively stable economic income and repayment ability. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.
E the longest term of provident fund loans shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.
Which bank is good for housing provident fund loan?
As different housing provident fund management centers have different policies and requirements for individual housing provident fund loans, please consult the local China Bank business outlets or provident fund management centers for details.
The above contents are for your reference. Please refer to the actual business regulations.
Which banks can handle provident fund loans? These banks can!
At present, many domestic banks can apply for provident fund loans You can apply for a loan as long as you meet the conditions. Different banks have different standards, and many cities have other regulations on provident fund loans. It is best to go directly to the outlets for consultation. The following are some common bank provident fund loans, subject to bank rules.
1, Postal Savings Bank-Provident Fund Credit Loan
Amount: 300,000 yuan, 500,000 yuan.
Interest spread
Repayment method: interest before principal/interest before principal.
Unit requirements: excellent occupations such as administrative institutions, civil servants, banks, hospitals, schools, state-owned enterprises and central enterprises can apply for the exam.
2. Bank of Zhengzhou-Provident Fund Credit Loan
Ok:10-300,000.
Interest spread
Repayment method: interest first, then principal.
Unit requirements: excellent occupations such as bus, railway, school, hospital, and financial punching can be applied.
3. Ping An Bank-Provident Fund Credit Loan
Quota: 500,000 yuan
Interest spread
Repayment method: equal principal and interest
Unit requirements: excellent occupations can enjoy the interest rate reduction plan, both individuals and private enterprises can.
4. China CITIC Bank-Provident Fund Credit Loan
Ok:10-300,000.
Interest spread
Repayment method: interest first, then principal.
Unit requirements: civil servants and institutions.
5. ICBC-Provident Fund Credit Loan
Amount: up to 500,000 yuan.
Interest: 2% 77
Repayment method: equal principal and interest
Unit requirements: civil servants, institutions, provident fund for one year, clerk 300 thousand, department head 400 thousand, department head 500 thousand.
The above are the loan products of common banks. As long as the qualifications are good, it is easier to apply successfully. You'd better start preparing six months to one year in advance, keep the continuity of the provident fund and have a good credit report.
Which bank can I find for provident fund loans?
Banks handling provident fund loans are:
Agricultural Bank of China-Agricultural Bank Network Dai Jie
"Online Loan Link" refers to the credit loans issued by China Agricultural Bank in cash to high-quality corporate customers who have paid the provident fund and existing customers of China Agricultural Bank. Individual small consumer loans are applied independently, quickly received, automatically approved and used for personal use. The maximum amount is 300,000 yuan, the annual interest rate is as low as 4%, the interest is supreme, the credit is granted for up to five years, and the principal is repaid once a year; Pure online, fully automatic, free of guarantee and handling fee, you can apply directly on the 4.0. 1 version of the Agricultural Bank of China APP.
Huaxia bank operating loan
Huaxia bank elite loan is a credit loan for high-quality units. As long as you pay the provident fund continuously for more than one year in the white list recognized by Huaxia Bank, you can handle it. The maximum loan amount can be as high as 300,000 yuan and the longest loan period is three years. If the loan term is less than one year (inclusive), you can repay the loan by paying the principal and interest in one lump sum and interest on schedule. If the loan term is more than one year, the principal can be repaid by paying interest on schedule or by installments.
Bank of communications enjoys a loan.
Bank of Communications enjoys a pure credit loan, the amount of which depends on the borrower's situation, and the repayment period is between 3-24 installments.
China everbright bank Sui Xin loan
The service group of follow-up loans of China Everbright Bank is 22-55 years old, mainly for customers who have paid more than 1000 of the provident fund and customers who have purchased personal loan guarantee insurance in China Everbright.
Minsheng bank consumes micro-credit loans
Consumer micro-loans in Sheng Xing are a series of loan products launched by Minsheng Bank. You can rely on your own social security and salary. Apply for credit loans, such as tax bills.
Bank of China-BOC Easy Loan
BOC e-loan is a full-process online credit consumption loan launched by Bank of China. Mainly for office workers who pay provident fund and BOC stock customers. The maximum loan amount is 300,000 yuan, with interest paid first and principal paid later. The credit period of this loan is 65,438+02 months. Can be recycled within the validity period, with the loan repayment, the loan according to the actual number of days of use daily interest. Single payment can be made by one-time repayment of principal and interest, monthly repayment of principal and interest, etc.
Bank of Suning
Provident fund loan of Suning Bank: the annual interest rate starts from 7. 18%, with interest paid first and capital paid later for one year, mainly for high-quality corporate customers.
What does China Bank's personal housing provident fund loan mean?
China Bank's personal housing provident fund loan refers to the housing provident fund loan granted by the housing provident fund management center (hereinafter referred to as "the entrusted bank") for the purchase, construction, renovation and overhaul of housing. China Bank's personal housing provident fund portfolio loan (hereinafter referred to as "portfolio loan") refers to the loan that the borrower applies for personal housing provident fund loan and commercial personal housing loan from the entrusted bank at the same time when it is insufficient to pay the purchase cost.
The above contents are for your reference. Please refer to the actual business regulations.