Go to your local provident fund management center for consultation. Specific policies vary from place to place.
2. What are the general procedures for provident fund consumer loans?
Personal consumption loan of provident fund is actually a personal unsecured credit loan with provident fund as the reference certificate, and only users who have paid the provident fund can apply. Different from the requirements of general consumer credit card loans, provident fund personal consumption loans should not only meet the basic requirements, but also refer to the time and monthly deposit base of provident fund.
1. The deposit time of the provident fund must be continuous and cannot be stopped. Generally, it must be paid continuously for at least 6 months, and the specific time is based on the loan time. For example, if the time to apply for a loan is 1 1.6, you must start paying the provident fund on May 6th.
2. The monthly deposit base of provident fund has different grades. The higher the grade, the larger the base, and the higher the assessment amount of personal consumption loans of provident fund, which is about 20 times of the deposit base.
Third, how to borrow from the housing provident fund?
After buying a commercial house, if your unit has a provident fund, prepare all the materials and hand them over to the property consultant. She will contact you to help you with the housing provident fund loan, and you can get the loan after approval.
Four, how to loan housing provident fund?
Conditions to be met for provident fund loans: 1. The borrower is an individual who normally deposits the housing provident fund in the "Provident Fund Center"; 2. The borrower purchases affordable housing recognized by the lender; 3. Have permanent residence in cities and towns or valid residence status: have a stable occupation and income, and have the ability to repay the principal and interest of loans; 4. Have a house purchase contract or relevant supporting documents; 5. The borrower agrees to mortgage the property listed in the House Purchase and Sales Contract signed with the developer to the lender, and give the lender the priority mortgage right and the right of compensation as the guarantee for repaying the principal and interest; 6. The borrower has the ability to pay 30% of the total capital invested in the house; 7. Other conditions stipulated by the lender. After meeting the above conditions, the lender only needs to bring his ID card, the purchase contract signed by the real estate company, the monthly income certificate (salary table) and the provident fund deposit certificate issued by the provident fund center to apply for a loan from the bank. The state stipulates that the loan period is one to ten years, but the longest period is not more than twenty years. Banks generally require borrowers to pay interest first, and then pay the same amount of principal and interest. Legal basis: Article 12 of the Regulations on the Management of Housing Provident Fund, the Housing Provident Fund Management Committee shall, in accordance with the relevant provisions of the People's Bank of China, designate commercial banks entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted banks); The housing provident fund management center shall entrust the entrusted bank to handle financial services such as housing provident fund loans and settlement, as well as the establishment, deposit and return procedures of housing provident fund accounts. The housing provident fund management center shall sign an entrustment contract with the entrusted bank. Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center. Twenty-seventh applicants for housing provident fund loans shall provide guarantees.