Provident fund loans require a certificate from the company. The company needs to issue a salary certificate to prove its repayment ability. Moreover, the applicant also needs to provide ID card, household registration book, marriage certificate, proof of provident fund for 6 months or more (some cities require 1 year or more), urban household registration certificate, bank statement, credit certificate and other materials required by the provident fund center.
What are the precautions for provident fund loans? 1. Prepare loan information.
Because the way of provident fund loans will be relatively more complicated, in order to save review time and get loans more smoothly, it is recommended that lenders prepare the required information before applying. If they are not clear, they are advised to consult the local provident fund management center.
2. Understand the loan requirements.
Before applying, you must know the loan requirements. According to relevant personnel, provident fund loans are not suitable for everyone and can only be paid on time within a certain period of time. At the same time, the account needs to be in a normal payment state to qualify.
3. The amount of provident fund loans is not enough, and the remaining funds can be used for commercial loans.
Due to factors such as payment base and account balance, there may be insufficient amount when making provident fund loans. At this time, many people will give up provident fund loans and choose commercial loans. In fact, in this case, they can choose portfolio loans, which means commercial loans plus provident fund loans.