Which banks can provide provident fund credit loans?
Citizens who have made continuous deposits for more than 12 months can apply for the China Merchants Bank Provident Fund Consumer Loan, and they are required to have good credit.
Applicants can borrow more than 20 times the annual provident fund deposit amount, up to a maximum of 300,000 yuan.
Everbright Bank's "China Everbright Bank Provident Fund Online Credit Consumer Loan" is a credit consumer loan product designed and developed by China Everbright Bank for individual housing provident fund deposit customers.
This product automatically conducts comprehensive credit evaluations on customers through the system and issues credit loans for consumption purposes to individual customers who meet the loan conditions of China Everbright Bank.
This product can support all online operations from loan application, approval, disbursement to repayment.
You can apply for CITIC Bank provident fund loans as long as you pay for a certain period of time. The maximum loan amount can reach 1 million yuan. The consumer loan period can reach 3 years. The loan interest rate is no higher than that of similar offline products.
Moreover, it only takes 2 minutes from application to loan.
Minsheng Bank Minsheng Bank provident fund consumer loan can be applied as long as the deposit has been made continuously for more than one year, the personal monthly deposit amount is more than 500 yuan, and the credit is good.
Minsheng Bank's provident fund consumer loan limit has nothing to do with personal account balance. After being evaluated based on the applicant's personal credit, occupation, family debt and other comprehensive indicators, a single citizen can borrow up to 500,000 yuan.
The loan term is up to 3 years, with monthly interest payments and principal repayment at maturity.
Guangfa Bank's Guangfa Provident Fund Credit Loan and Provident Fund personal credit loan business are based on the user's provident fund payment information and the comprehensive credit evaluation completed by the personal credit report of Guangfa Bank Hangzhou Branch. Users who pass the approval can enjoy the use provided by Guangfa Hangzhou Bank.
Personal credit loans for consumption purposes such as decoration, shopping, and travel.
In terms of loan amount, credit is granted based on the proportion of personal deposit amount.
"You can get a loan limit of 80,000 to 90,000 yuan with a monthly payment of 600 yuan, and if your monthly personal provident fund payment reaches about 4,000 yuan, you may get a loan of up to 500,000 yuan. When reviewing the loan application,
It is also necessary to check the applicant's personal credit file. Only those with good credit records may obtain loans, and those customers who own local properties will have corresponding increases. "Generally, the loan approval time only takes one day.
, after approval, customers can withdraw cash within the credit limit through various channels such as online banking, mobile phones, and counters.
"What is China Everbright Bank Provident Fund Online Credit Consumer Loan? "China Everbright Bank Provident Fund Online Credit Consumer Loan" is a credit consumer loan product designed and developed by China Everbright Bank for individual housing provident fund deposit customers. This product automatically runs on customers through the system
Based on comprehensive credit evaluation, credit loans for consumption purposes are issued to individual customers who meet the loan threshold of China Everbright Bank. This product can support all online operations from loan application, approval, approval to repayment, and the scope of business development varies with provident fund centers in various places.
The access is gradually open to customers in all branches. What is the process for providing provident fund loans in Shanghai? Can it be applied for by every bank?
, the main process: 1. To apply for a housing provident fund loan, the lender must submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information: 2. For loan applications with complete information, the bank will promptly accept and review the application and submit it in a timely manner.
Provident Fund Center. 3. The Provident Fund Center is responsible for approving loans and notifying the bank of the approval results in a timely manner. 4. The bank will notify the applicant to handle the loan procedures based on the approval results of the Provident Fund Center, and the borrower and his wife will sign a loan contract and related contracts with the bank.
The loan contract and other procedures will be submitted to the Provident Fund Center for review. After approval, the Provident Fund Center will allocate the entrusted loan fund, and the trustee bank will issue the loan in full and on time as stipulated in the loan contract. 5. If the loan is guaranteed by a housing mortgage, the borrower must arrive in person.
The housing property rights management department in the area where the house is located handles the property mortgage registration procedures. The mortgage contract or agreement is signed by both husband and wife. If the securities are pledged, the borrower will hand over the securities to the management department or alliance center for safekeeping.