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. "
How to apply for credit loan with provident fund
Provident funds can indeed apply for credit loans, but this policy has geographical restrictions, and most areas cannot. Only Yangzhou can. Ask the bank for details. There are two conditions for applying for a provident fund credit loan: the payment period and the individual's monthly payment. Under normal circumstances, loan applicants must meet the conditions of "continuous deposit of provident fund for more than two years" before applying. But there are also certain requirements for depositors' deposit amount. For example, the monthly deposits of depositors and individuals in government agencies and institutions should generally reach above 500 yuan. For some high-quality enterprises, personal monthly deposits are generally above 1000 yuan.
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Some financial institutions have already started this business. For example, in the online banking of CITIC Bank, you want to find an online loan from a personal loan, and I want to spend money. After clicking, the system retrieves the applicant's provident fund deposit information, automatically completes the comprehensive credit evaluation, displays the loan amount and other information, and can complete the approval in two or three minutes. Everbright Bank also uses the provident fund for loan projects.
Can the provident fund be used for personal loans?
Provident funds can be used for personal loans. There are two types of loans:
1, provident fund personal housing loan requires that the provident fund cannot be paid off before the loan, and it must be continuously paid to meet the requirements of the local housing provident fund. The balance of the provident fund account and the deposit base of the provident fund are also important reference factors.
2. Provident fund personal credit loan. Many banks provide pure credit loans to provident fund users, but they should also refer to factors such as the time and base of provident fund deposit. But it is not based on provident fund loans, what is important is to pass the applicant's credit conditions.
Can the provident fund be loaned? How much can I borrow?
Legal analysis: provident fund can be loaned. When applying for a mortgage, users can apply for a provident fund loan at the housing provident fund management center. As long as they meet the requirements, they can get low-interest loans. At the same time, users can also apply for credit loans from financial institutions if they are not applying for mortgage loans and have proof of provident fund payment. Each user is different according to the final approval result of the organization.
Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:
(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.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
The introduction of provident fund credit loans and provident fund credit loans ends here. I wonder if you found the information you need from it?