1. Public welfare loans of Minsheng Bank: Public welfare loans are consumer loans granted to natural persons who meet the conditions of individual provident fund deposit. Therefore, users who have continuously paid the provident fund 1 year or more can try to apply for public welfare loans. It should be noted that the monthly deposit and payment amount is not less than 500 to apply for a loan. If the user's monthly deposit is low, it does not meet the loan application conditions.
2. CITIC Bank's second trust loan: CITIC Bank's second trust loan requires the provident fund to be continuously deposited for more than 2 years, and there can be no abnormal withdrawal record of the provident fund. Moreover, the letter-second loan has higher requirements for credit reporting, and the credit reporting is poor. If the credit reporting is spent, it will not pass the loan review. There is no problem with credit investigation, and the provident fund meets the requirements, so the probability of users applying for CITIC Bank's letter-second loan will increase.
3. Guangdong Development Bank's e-second loan: Guangdong Development Bank's e-second loan provident fund only requires users to deposit the provident fund for three months continuously, but it is recommended to apply after the provident fund deposit exceeds 1 year, because the loan approval rate will be improved. At the same time, Guangfa Bank requires the applicant to have a good credit record, and there must be no bad credit record in the credit record. At the same time, there must not be a large number of loan approval and credit card approval inquiry records in the credit record.
4. Bank of Beijing Gold Loan: a personal consumption loan product jointly launched by Bank of Beijing and Beijing Housing Loan Guarantee Center, aimed at users who have paid the provident fund. The longer the user deposits the provident fund, the higher the loan amount. Of course, users have to meet other loan conditions before they can pass the loan review of Bank of Beijing.
5. Zhongyuan Consumer Finance: Zhongyuan Consumer Finance Center can choose the provident fund loan model. Users can apply for provident fund if they have paid for more than 6 months continuously and the accumulated payment time is 12 months. Moreover, the provident fund loan model of Zhongyuan Consumer Finance supports applying for a loan within one year, and the loan interest is charged on a daily basis.
6. Ping An New Loan: Ping An New Loan can apply for any policy of mortgage, car loan, provident fund, tax bill, social security and life insurance. If users choose the provident fund, they need to pay the provident fund continuously for more than one year, and the monthly deposit amount is more than 600 before they can apply for a new loan. In addition, the new loan also requires users to earn more than 4,000 yuan per month (not less than 5,000 yuan in first-tier cities). If the income does not meet the requirements, it will not pass the loan review.
7. Gome Easy Card: The provident fund loan in Gome Easy Card requires the applicant to be between 22 and 55 years old, with good personal credit information and certain ability to repay the principal and interest. The personal provident fund account is in a normal state and has been continuously deposited for more than 6 months. If the above conditions are met, users can apply for Gome Easy Card Provident Fund loan.
8. Borrowing: Users can improve the information related to provident fund, so that the system can better evaluate the repayment credit qualification of users. When the system thinks that the user is a high-quality customer, it will increase the loan amount and reduce the loan interest rate.
9. Ctrip Finance: Users apply for loans at Ctrip Finance. If the relevant information of the provident fund is perfect, it will help to increase the loan amount of Ctrip Finance. In addition, due to the perfection of provident fund information, the system will think that users' living conditions are relatively stable and there is a stable source of income, which will also increase the probability of passing the audit.
10. Withdrawal of money: When users apply for withdrawal of money, if they submit provident fund information for authentication, the probability of the users passing the loan review will increase after the authentication.
1 1. Ping An O2O loan: When applying for Ping An O2O loan, users can continue to authenticate the supplier's account after filling in their personal basic information. After completing the certification, the probability of loan approval can be improved.
In addition to applying for provident fund loans, provident fund can also be used to apply for credit loans. The user's provident fund account is in a normal state and continuously paid, indicating that the user has a stable source of income. Lending institutions usually require users to have a stable and legal source of income, and can provide provident fund information for audit or certification, so they are basically better customers. The probability that such customers apply for loans and pass the loan review will increase.
legal ground
Regulations on the administration of housing provident fund
Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.