First, the provident fund sealed loan conditions
1. Storage time of provident fund: Generally speaking, after the provident fund is sealed for a certain period of time (such as half a year or one year), you can apply for a loan. According to different regions and policies, the specific storage time requirements may vary.
2. Repayment ability: The applicant must have a stable source of income and sufficient repayment ability to ensure that the principal and interest of the loan can be repaid on time.
3. Credit record: The applicant should maintain a good credit record and have no bad credit behaviors such as serious overdue and default.
Second, the provident fund sealed loan process
1. Consultation Understanding: Applicants can go to the provident fund management center or relevant banks to consult the specific policies and requirements of the provident fund sealed loan.
2. Preparation of application materials: Prepare relevant application materials as required, such as ID card, deposit certificate of provident fund, income certificate, credit report, etc.
3. Submit the application: submit the application materials to the provident fund management center or the bank for approval.
4. Approving the loan: the provident fund management center or the bank will review the application materials, get the loan approval if it meets the requirements and go through the relevant procedures, and finally release the loan to the account designated by the applicant.
Third, matters needing attention
1. The loan policy of provident fund sequestration may vary from region to region, and applicants need to understand and apply according to local policies.
2. There may be some restrictions on the amount, term and interest rate of the provident fund deposit loan, and the applicant needs to choose a suitable loan scheme according to his own situation.
3. In the application process, the applicant shall truthfully provide relevant information and materials, and shall not provide false information or conceal important facts.
To sum up:
The provident fund of government agencies and units can seal up loans, but certain conditions and regulations need to be met. Applicants need to understand the local provident fund loan policy, prepare relevant application materials and apply according to the process. In the application process, we must abide by relevant laws, regulations and provisions to ensure the provision of true and accurate information and materials. At the same time, the applicant should pay attention to the amount, term and interest rate of the loan and choose the loan scheme that suits him.
Legal basis:
Regulations on the administration of housing provident fund
Article 24 provides that:
In any of the following circumstances, the employee may withdraw the storage balance in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
General rules of People's Republic of China (PRC) loan
Article 17 stipulates:
The borrower shall be an enterprise (legal person), other economic organizations, individual industrial and commercial households or natural persons with full civil capacity registered in China with the approval of the administrative department for industry and commerce (or the competent authority).
The borrower should meet the following basic conditions when applying for a loan: the product has a market, the production and operation are profitable, the loan has not been misappropriated, and the credit is strictly observed:
(a) has the ability to repay the principal and interest of the loan on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been made.
Two, except for natural persons and legal institutions that do not need the approval and registration of the industrial and commercial departments, all the annual inspection procedures shall be handled by the industrial and commercial departments.
3. basic deposit account or general deposit account has been opened.
Four, except for limited liability companies and joint stock limited companies stipulated by the State Council, the accumulated amount of overseas equity investment shall not exceed 50% of its total net assets.
Verb (abbreviation of verb) The borrower's asset-liability ratio meets the requirements of the lender.
Six, to apply for medium and long-term loans, the proportion of new project owners' equity in the total investment required by the project is not less than the proportion of investment project capital stipulated by the state.