Is it easier to get a 51 provident fund loan?
Answer: It is easier to get a 51 provident fund loan.
On the 51 Provident Fund platform, as long as you upload the provident fund and the credit investigation is not very expensive, as long as you are matched with the platform, the application submission will basically be approved.
Required conditions for 51 provident fund loans: 1. The lender has a legal and valid identity certificate; 2. The housing provident fund has been paid continuously for more than 6 months; 3. There is a stable economic income and the ability to repay the principal and interest of the loan. Ability; 4. The house purchased at the time of application is a self-occupied house; 5. There is no legal guarantee; 6. Ability to provide legal, effective and reliable guarantee recognized by the management center; 7. Other conditions specified by the 51 Provident Fund Management Center.
Platforms where you can get loans if you have provident funds
Platforms where you can get loans if you have provident funds:
1. Ping An O2O loan
Application Conditions: 22-55 years old, with a fixed job, social security or other real estate. Required information: identity authentication, mobile phone authentication, operator authentication, contact authentication, bank card authentication, private car, provident fund, etc. Application amount: up to 300,000 yuan for use Period: 12, 24, 36 issues.
2. Everbright Bank: Apply for Provident Fund Credit Loan. China Everbright Bank has a loan product specially designed for Provident Fund credit loan, called "China Everbright Bank Provident Fund Online Credit Consumer Loan". This provident fund credit loan is open to all users who meet the loan conditions of Everbright Bank and have paid provident fund.
3. Minsheng Bank: Loan applicants must have continuously paid provident fund for more than 1 year before applying for a provident fund credit loan, and the monthly deposit amount must be more than 500 yuan. The loan applicant’s There should be no bad records in the personal credit report.
4. China CITIC Bank: Apply for a provident fund credit loan. According to CITIC Bank’s provident fund credit loan requirements, the loan applicant can apply for a provident fund credit loan as long as the provident fund has been deposited for a certain period of time. The provident fund credit loan can be applied for up to 1 million yuan, and the maximum loan period can be applied for up to 3 years.
5. Gome Easy Card
Gome Easy Card is currently one of the most popular provident fund loan platforms. It can provide loans of up to 150,000 yuan to friends with provident funds, and the payment is fast. Fast, long installment time, low loan interest rate, and backed by Gome Electrical Appliances.
6. Yirendai
Yirendai is also a platform that supports provident fund loans. The loan can be disbursed in as fast as 30 minutes. The approval rate is high. The loan period can be long or short, and the longest can be up to 36 months. In Yirendai, loan interest rates for friends with provident funds will be very low.
7. 51renpindai
51renpindai is a well-established online provident fund loan platform that can provide loans of up to 200,000 yuan to friends with provident funds. In addition to supporting certified provident funds, 51 Renpin Loan also supports many increase certification projects, including business licenses, social security, etc.
8. Youwodai
Youwodai is also a platform that supports the use of provident funds for loans. Among them, Jiaying Dai is specially designed for people with provident funds, with a limit of 4,000-50,000 yuan. , supports installment repayment, can be credited as quickly as 30 minutes, and the monthly interest rate is as low as 0.5.
Does the 51 provident fund loan have a credit check?
Whether a 51 provident fund loan does not have a credit check depends on whether the lender is a formal financial institution. There are many loan products in 51 provident fund loans, and the lenders are different. If the lender is a formal financial institution, the 51 Provident Fund loan will be subject to credit reporting; if the lender is not a formal financial institution, the 51 Provident Fund loan will not be subject to credit reporting.
Users can check the lender of the 51 Provident Fund loan on the loan details page, and then determine whether the 51 Provident Fund loan is creditworthy based on the lender's information. Whether the lender is a formal financial institution depends on whether it is licensed. If the lender holds a license, it means it is a formal financial institution; otherwise, it is not a formal financial institution.
The credit reporting system is connected to all financial institutions such as commercial banks, trust companies, finance companies, leasing companies, asset management companies and some companies. The credit insurance business of some insurance companies has begun to be connected, basically covering Various lending institutions.
Users can log in to the official websites of the People's Bank of China and the China Banking and Insurance Regulatory Commission to check whether the lender of the 51 provident fund loan is licensed. If the official websites of the People's Bank of China and the China Banking and Insurance Regulatory Commission do not display the lender, it is not licensed.
Since there are many loan products in the 51 provident fund loan, users need to analyze the specific situation in detail.