Commercial loans and provident fund loans should be applied within the same period. In portfolio loans, the loan term, loan date and repayment date of provident fund loans and commercial loans can be different, but different interest rates are implemented. Application method: ① Apply for portfolio loan, and the preliminary examination procedure is the same as provident fund loan; (2) After the first trial is passed, when the borrower goes to the bank to handle other procedures for provident fund loans, he should fill in the application form for commercial loans and handle relevant procedures as required by the bank; (3) After the approval of the two loans is completed, the bank will transfer them to the account of the selling unit; ④ In portfolio loans, the loan term, loan date and repayment date of provident fund loans and commercial loans can be different, but different interest rates are implemented. Required information: 1. Loan application form; 2. ID card and 3 copies of ID card; 3. Original and photocopy of the household registration book (home page and personal page are required for collective accounts); 4. Original and photocopy of the whole house sales contract (2 copies); 5. Application for registration of ownership transfer (provided by the developer); 6 copies of advance payment receipt (2 copies); 7. Private seal (one for each married couple); 8. Personal wage income certificate (format paper provided by the developer, confirmed and sealed by the company); 9. Contact list of portfolio loan and its copy (1 copy); 10. Commercial loan contract; 1 1. Sixth copy of maintenance fund receipt.
2. Which banks can make provident fund credit loans?
Which banks have provident fund consumer loans?
1. 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. The annual deposit of the applicant's loanable provident fund is more than 20 times, and the height is not more than 300,000 yuan.
2. 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 loan term is 3 years, with interest paid monthly and principal repaid at maturity.
3. China CITIC Bank
CITIC Bank can apply for provident fund loans as long as it deposits for a certain period of time. The high 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.
4. China 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.
3. Which banks have provident fund credit loan business?
How to apply for the credit online loan of the depositor of CITIC Bank's provident fund? After the depositor of the provident fund in the city where this business is launched logs in to the online banking of CITIC Bank, he clicks the button of "Personal Loan-Online Loan-I Want to Spend", and the system will display "Being processed". After 2 minutes, the system will display the loan amount, withdrawal validity and other information, and then you can approve the loan amount.
4. Which banks can make provident fund credit loans?
1, China Merchants Bank can apply for provident fund credit loans. According to the requirements of China Merchants Bank's provident fund credit loans, loan applicants can apply for loans after paying the provident fund for more than 12 months. However, the personal credit information of the loan applicant must be good and there is no bad record. 2. China Everbright Bank can apply for provident fund credit loans. Everbright Bank has a loan product specifically for provident fund credit loans, named "China Everbright Bank's provident fund network credit consumption loan".