Provident fund loans can be made in Minsheng Bank, China CITIC Bank and China Guangfa Bank.
First of all, customers need to consult their provident fund loan qualifications in the entrusted bank of the provident fund management center. After confirming that the provident fund loan can be made, you can get the provident fund loan folder at the bank and fill in the information as required. Then they can go to the bank to apply for provident fund loans with the information required by the bank. According to the loan information provided by users, banks will conduct a comprehensive loan review for users. After the approval, the bank will ask the user to go to the bank for loan procedures. After receiving the notice, the user goes to the bank to sign a loan agreement. After completing the relevant mortgage procedures, the provident fund management center will finally make a final review of the loan, and after the final review is passed, the loan will be distributed to the customer's account.
2. The provident fund policy is as follows:
1. If there is no housing loan record in the name of the loan applicant and there is no housing in this city, it shall be handled according to the first home loan policy; No loans will be granted for the second suite or above.
2. The deposit period of the provident fund is 6,543,800 yuan per year, and if the deposit period is less than 654.38+ 0, the maximum loan is 6,543,800 yuan according to the calculation of 654.38+0. Married loan applicants are counted as spouses with long service years.
3. For households registered in the sixth district of the city, the loan amount for purchasing the first home in the sixth district of the city can be increased by1-200,000 yuan. The amount of the second suite is lowered to 600,000 yuan.
4. Down payment ratio: affordable housing is not less than 20%. The first suite, policy housing is not less than 30%, ordinary housing is not less than 35%, and non-ordinary housing is not less than 40%. Two suites, ordinary housing is not less than 60%, and non-ordinary housing is not less than 80%.
Three, the longest loan period can be calculated by 5 years after the statutory retirement age, in principle, the longest loan period is not more than 65 years old. Married loan applicants should be counted as the longer spouse.
6, the loan amount and loan term standard, the monthly repayment amount should not exceed 60% of the monthly income of the loan applicant.
20 19 has an online loan platform for provident fund. Introduce these!
Under normal circumstances, after everyone works, the company will buy employees five insurances and one gold, of which the provident fund is an important welfare, and everyone can use it to buy a house in the future. There are many provident fund loans on the market now, and loans can be obtained by virtue of quotas. Today, let's take a look.
1, Ping An O2O loan
Application conditions: 22-55 years old, with a fixed job, social security or other information required for real estate: identity authentication, mobile phone authentication, operator authentication, contact authentication, bank card authentication, private car, provident fund, etc. Application amount: up to 300,000 yuan. Service period: 65,438+02,24,36.
2. China Everbright Bank: Applying for Provident Fund Credit Loan China Everbright Bank has a loan product specifically for provident fund credit loans, named "China Everbright Bank Provident Fund Network Credit Consumer Loan". This provident fund credit loan is open to all users who meet the loan conditions of China Everbright Bank and have paid the provident fund.
3. Minsheng Bank: Before applying for the provident fund credit loan, the loan applicant must continuously deposit the provident fund for more than 1 year, and the monthly deposit amount must be above 500 yuan, and there must be no bad records in the personal credit information of the loan applicant.
4. CITIC Bank: Applying for a provident fund credit loan According to the requirements of CITIC Bank's provident fund credit loan, as long as the provident fund deposit reaches a certain period of time, the loan applicant will apply for a provident fund credit loan. The maximum amount of provident fund credit loan can be applied for is 6,543,800 yuan, and the longest loan period can be applied for 3 years.
The above is the relevant introduction, I hope I can help you. In addition, after borrowing money, remember to return it on time, not overdue.
Which bank should I look for for provident fund loans?
Banks handling provident fund loans are:
Agricultural Bank of China-Agricultural Bank Network Dai Jie
"Online Loan Link" refers to the credit loans issued by China Agricultural Bank in cash to high-quality corporate customers who have paid the provident fund and existing customers of China Agricultural Bank. Individual small consumer loans are applied independently, quickly received, automatically approved and used for personal use. The maximum amount is 300,000 yuan, the annual interest rate is as low as 4%, the interest is supreme, the credit is granted for up to five years, and the principal is repaid once a year; Pure online, fully automatic, free of guarantee and handling fee, you can apply directly on the 4.0. 1 version of the Agricultural Bank of China APP.
Huaxia bank operating loan
Huaxia bank elite loan is a credit loan for high-quality units. As long as you pay the provident fund continuously for more than one year in the white list recognized by Huaxia Bank, you can handle it. The maximum loan amount can be as high as 300,000 yuan and the longest loan period is three years. If the loan term is less than one year (inclusive), you can repay the loan by paying the principal and interest in one lump sum and interest on schedule. If the loan term is more than one year, the principal can be repaid by paying interest on schedule or by installments.
Bank of communications enjoys a loan.
Bank of Communications enjoys a pure credit loan, the amount of which depends on the borrower's situation, and the repayment period is between 3-24 installments.
China everbright bank Sui Xin loan
The service group of follow-up loans of China Everbright Bank is 22-55 years old, mainly for customers who have paid more than 1000 of the provident fund and customers who have purchased personal loan guarantee insurance in China Everbright.
Minsheng bank consumes micro-credit loans
Consumer micro-loans in Sheng Xing are a series of loan products launched by Minsheng Bank. You can rely on your own social security and salary. Apply for credit loans, such as tax bills.
Bank of China-BOC Easy Loan
BOC e-loan is a full-process online credit consumption loan launched by Bank of China. Mainly for office workers who pay provident fund and BOC stock customers. The maximum loan amount is 300,000 yuan, with interest paid first and principal paid later. The credit period of this loan is 65,438+02 months. Can be recycled within the validity period, with the loan repayment, the loan according to the actual number of days of use daily interest. Single payment can be made by one-time repayment of principal and interest, monthly repayment of principal and interest, etc.
Bank of Suning
Provident fund loan of Suning Bank: the annual interest rate starts from 7. 18%, with interest paid first and capital paid later for one year, mainly for high-quality corporate customers.
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.
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. "