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. "
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.
Which banks can apply for provident fund loans?
There are many banks that can do it, such as Minsheng Bank, China CITIC Bank, China Merchants Bank and China Everbright Bank.
1. At present, many commercial banks have launched provident fund credit loans and provident fund consumption loans, among which Gong Xi loans from Minsheng Bank, online provident fund loans from China CITIC Bank and gold loans from Bank of Beijing have attracted more attention.
2. Although Ping An Bank and Guangfa Bank have also launched provident fund credit loan products, they can only apply in some branches. At present, there are still many choices of provident fund credit loan products. In addition to commercial banks, some companies also have this kind of business. Borrowers can choose appropriate lending institutions to apply.
3. As for the loan amount, it is not only directly related to the borrower's monthly provident fund deposit balance, but also increases or decreases according to the applicant's assets, liabilities, credit records and other factors. In addition, the provident fund credit loan will not affect the future application for provident fund loans or withdrawals.
Extended data:
Provident Fund loan process
Preliminary examination: The Housing Provident Fund Management Center conducts a preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount and loan term. After passing the preliminary examination, the center will issue a notice of mortgage review and evaluation.
2. Appraisal: The applicant holds the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated; Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary materials required by the center. In line with the conditions, the center issued the "Notice of Investigation on Entrusted Loans of the Housing Provident Fund Management Center of this Municipality".
Three. Handling guarantee procedures: The applicant shall handle the guarantee procedures according to the guarantee method of his choice with the Notice of Investigation on Entrusted Guaranteed Loans issued by the Municipal Housing Provident Fund Management Center. If mortgage guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage insurance or third-party guarantee.
Fourth, sign a loan contract.