Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.

Its advantages are:

1, the convenience is similar to the processing time;

2. General commercial loans have no loan ceiling or the ceiling is very high. Borrowers can directly apply for a relatively high loan amount, and the housing provident fund loan has an upper limit, but the demand for high-amount loans can be solved through portfolio loans;

3. Commercial loans have a wide range of loan targets, and housing provident fund loans are generally depositors of housing provident fund.

Tips: The above information is for reference only.

Reply time: 2022-01-1. Please refer to the latest business changes announced by Ping An Bank in official website.