Banks that can run provident fund include Bank of Communications, Industrial and Commercial Bank of China and China Construction Bank.

Materials and procedures required for handling provident fund loans When applying for housing provident fund loans, lenders need to submit a written application to the bank, fill in the Application Form for Housing Provident Fund Loans, and truthfully provide the following information:

First, the applicant and his spouse's housing provident fund deposit certificate;

Two, the applicant and spouse identification refers to the resident identity card, permanent residence booklet and other valid residence documents, marital status documents;

Three, the family's stable income certificate and other proof of creditor's rights and debts that have an impact on repayment ability;

Four, the purchase of housing contracts, agreements and other valid documents;

5. List of collateral, pledge, certificate of ownership, certificate of consent of authorized disposition, and certificate of collateral valuation issued by relevant departments;

The intransitive verb accumulation fund center requires the third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, lender and third-party guarantor sign a tripartite contract;

Seven, other information required by the provident fund center.

Provident fund refers to a reserve drawn from the company's operating profit or other income according to laws, articles of association or resolutions of shareholders' meeting. The establishment of provident fund system is of great significance to the survival and development of the company. After the establishment of the provident fund system, when losses occur, it can be used to make up for the losses, enrich the company's funds, enhance the company's credit, avoid major turmoil in the company's business activities, and ensure the safety of creditors and social transactions. In addition, the company requires long-term development, and additional investment with provident fund is undoubtedly the best way to expand the scale and scope of operation.

"Regulations on the management of housing provident fund" Article 13 The housing provident fund management center shall set up a housing provident fund account in the entrusted bank. The unit shall go to the housing provident fund management center for the registration of housing provident fund deposit, and after being audited by the housing provident fund management center, set up a housing provident fund account for its employees at the entrusted bank. Each employee can only have one housing provident fund account. The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.

A bank loan that must be made from the provident fund.

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 can make provident fund credit loans?

China Merchants Bank

China Merchants Bank's provident fund consumption loan can be applied by citizens who have continuously paid 12 months or more, and at the same time, they are required to have good credit. Applicants can borrow more than 20 times of the annual deposit amount of the provident fund, with a maximum of 300,000 yuan.

Everbright Bank

"China Everbright Bank Provident Fund Network Credit Consumer Loan" is a credit consumer loan product designed and developed by China Everbright Bank for individual housing provident fund depositors.

This product automatically evaluates customers' comprehensive credit through the system, and issues consumer credit loans to individual customers who meet the loan conditions of China Everbright Bank. This product supports the operation of loan from application, approval, lending to repayment.

China Citic Bank

CITIC Bank can apply for provident fund loans as long as it deposits for a certain period of time. The maximum loan amount can reach 6,543,800 yuan, the consumer loan period can reach 3 years, and the loan interest rate is not higher than that of offline similar products. And it only takes 2 minutes from application to loan.

Minsheng Bank

Minsheng Bank's provident fund consumption loan can be applied as long as it has been continuously deposited for more than 1 year, the individual's monthly deposit amount is above 500 yuan, and the credit is good.

Minsheng Bank's provident fund consumption loan amount has nothing to do with personal account balance. According to the applicant's personal credit, occupation, family debt and other comprehensive indicators, a single citizen can borrow up to 500 thousand yuan. The longest loan period is 3 years, with monthly interest payment and principal repayment at maturity.

Guangdong Development Bank

Guangfa provident fund credit loan and provident fund personal credit loan business is a comprehensive credit evaluation completed by Hangzhou Branch of Guangfa Bank based on the user's provident fund deposit information and personal credit information. Users who pass the examination and approval can enjoy personal credit loans issued by Guangfa Hangzhou Bank for decoration, shopping, tourism and other consumer purposes.

In terms of loan amount, credit is generated according to the proportion of personal deposits. "The monthly loan for 600 yuan can reach 80,000 to 90,000 yuan, and if your personal provident fund reaches about 4,000 yuan per month, it is possible to get a loan of up to 500,000 yuan.

When reviewing the loan application, you also need to check the applicant's personal credit file. Only people with good credit records can get loans. And those customers who have real estate in the local area will have a corresponding increase in the quota.

"Under normal circumstances, the loan approval time only takes 1 day. After approval, customers can withdraw cash within the credit line through online banking, mobile phones, counters and other channels. "

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.