Conditions for the credit loan of China CITIC Bank's provident fund:

1. Deposit the provident fund in a specific area to customers.

2. the applicant holds the online banking USBKEY of citic bank.

3. Good credit information, and the age is under 6 (female is under 55)

4. The applicant's credit record is good and there is no overdue stain.

extended data;

provident fund loans refer to individual housing provident fund loans, which are housing mortgage loans issued by housing provident fund management centers in various places, using the housing provident fund paid by employees who apply for provident fund loans, and entrusting commercial banks to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who paid housing provident fund during their working life.

employees who have paid the housing provident fund for a certain period according to regulations (the period varies from city to city, for example, it is more than 12 months in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.

The loan conditions are as follows: the employees in the unit have signed labor contracts for more than three years (or signed one-year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit for more than a certain period of time; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle housing mortgage registration and insurance;

provide the guarantee method agreed by the local housing fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as purchase contract or house pre-sale contract, house property certificate, land use certificate, proof of deposit of provident fund, etc.

to apply for provident fund loan, the monthly repayment/monthly income should be no more than 5% (in which: monthly repayment includes the sum of monthly repayment of existing liabilities and current liabilities). The loan period of housing provident fund is 1-3 years, and shall not be longer than the time when the borrower is away from the statutory retirement age; Employees approaching retirement age may appropriately relax the loan period for 1-3 years on the basis of considering their loan repayment ability.

Reference: Baidu Encyclopedia _ Provident Fund Loan