Now when looking for a job, most people want to find a company with provident fund subsidies, so that when buying a house, they can not only enjoy the corresponding preferential policies, but also get company subsidies. So, what exactly is a provident fund loan? What should I pay attention to when applying for a personal provident fund loan? Let's have a brief look with Bian Xiao.
1. What is a provident fund loan?
Provident fund is actually a housing subsidy paid by the company for employees. According to national regulations, as long as employees pay the provident fund, they can apply for personal provident fund loans from banks when buying a house and enjoy relevant preferential policies. There are only conditions for applying for this loan, such as the payment time can not be less than 6 months, or the payment of provident fund can not be interrupted, otherwise the bank will think that the applicant has no stable income and so on.
Second, matters needing attention in applying for personal provident fund loans
1. Pay attention to verify the loan situation.
There are many materials to be prepared for applying for personal provident fund loans. It is best for the owner to consult the local provident fund management center first to avoid making three or four trips back and forth. In addition, provident fund loans are also required. You can't get a loan if you don't pay the provident fund. You must meet a certain time, and in the process of payment.
2. Pay attention to the term of prepayment.
If the borrower has spare money, he can also apply for provident fund loans in advance, but two preconditions must be met. First, the loan must be repaid for one year before you can apply for prepayment. Second, when applying for prepayment, the repayment period must be more than 6 months.
Editor's summary: provident fund loans can also be said to be the housing security for employees. Not only does the company help with subsidies, but you can also enjoy more benefits when using the provident fund. The above is about what is a provident fund loan and the matters needing attention in applying for a provident fund loan. I hope it helps you. If you want to know more, please follow Qijia. com。
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