Five big banks. ICBC, ABC, BOC and CCB all support military personnel to apply for provident fund loans. After the borrower chooses CCB, he needs to bring the approval letter of provident fund loan qualification and related materials to the bank for application within 3 months. A city's military provident fund cooperates with five banks, and each bank supports it.

Is the provident fund loan only for CCB?

Provident fund loans are not limited to China Construction Bank. As long as banks or lending institutions cooperate with the Provident Fund Center, the four major state-owned banks in China (China Construction Bank, China Agricultural Bank, China Bank and China Industrial and Commercial Bank) and postal banks can handle provident fund loans. The key is which bank the product supplier purchased by the cardholder cooperates with.

The condition of the provident fund loan is that the individual has paid the provident fund in 300 yuan for six consecutive months, and the credit is good, so he can borrow money.

How to handle housing provident fund loans

Provident fund loan processing flow:

1. Written application

Lenders applying for housing provident fund loans must submit a written application to the bank, fill in the application form for housing provident fund loans, and truthfully provide the following information:

(a) the applicant and his spouse's housing provident fund deposit certificate;

(2) Identity documents of the applicant and his spouse (referring to valid residence documents such as resident identity cards and household registration books) and proof of marital status;

(three) the family has a stable economic income and other proof of creditor's rights and debts that affect the repayment ability;

(4) Effective documents such as purchase contracts and agreements;

(5) List of collateral used for guarantee, certificate of ownership, certificate of consent of the disposing party to the collateral, and certificate of collateral evaluation issued by relevant departments;

(six) other materials required by the provident fund center.

2. Bank acceptance review

Banks will promptly accept and review loan applications with complete information and submit them to the provident fund center in time.

3. Lending approval

Provident fund center is responsible for loan approval, and will promptly notify the bank of the approval results.

4. Loan procedures

The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and husband and wife sign loan contracts and related contracts or agreements with the bank, and send the loan contracts and other procedures to the provident fund center for review. For funds, the entrusted bank will issue loans in full and on time according to the loan contract.

V mortgage registration procedures

If the house mortgage is used as a guarantee, the borrower shall go through the formalities of real estate mortgage registration at the real estate management department where the house is located. The mortgage contract or agreement shall be signed by both husband and wife. Or the joint center.

Will China Construction Bank's online loan affect Agricultural Bank's provident fund loan?

If users meet the credit evaluation criteria of China Construction Bank, they will have the opportunity to obtain a quick loan line for consumption. Someone asked Ka Shen Jun, will CCB's fast loan affect the provident fund loan? Then briefly talk about this problem, I hope it will be helpful after reading it.

Will CCB's fast loan affect provident fund loans?

Will CCB's fast loan affect provident fund loans?

Provident fund loans not only require the deposit period, base and account balance of provident fund, but also require the credit information and repayment ability of borrowers and borrowers. Therefore, when users use CCB Express Loan, no matter whether they repay the loan on time or not, there is no tainted record in the credit report. If there is, it will have a certain impact;

Secondly, if users apply for quick loans from CCB, can they still undertake provident fund loans under the premise of existing income level and economic ability, that is to say, does quick loans increase users' liabilities and bring repayment pressure? If there is, the repayment risk will naturally be considered.

Therefore, users can look at their repayment ability and credit information before applying for provident fund loans. If comprehensive credit information can generally be shared with borrowers, the risk of bank lending is small, and the probability of natural passage will be higher.

The above is Kashin's answer to whether the quick loan of CCB will affect the provident fund loan. Generally speaking, whether it will be affected depends on whether the quick loan will lead to the increase of users' debts and the loss of credit. If not, it doesn't matter. If so, you can find * * * to share the risk with the borrower by improving credit.

What's the difference between provident fund loans and commercial loans?

The differences between commercial loans and provident fund loans are as follows:

1, loan conditions: the commercial loan object is qualified through credit investigation; Provident fund loans must be paid by on-the-job employees and paid in full within a certain period of time.

2. Type of house: you can use provident fund loans to buy ordinary houses, but you can't use provident fund loans to buy commercial houses and villas; Commercial loans are not limited by the type of house.

3. The loan process is different from the examination and approval institution.

4. Different loan interest rates: the loan interest rate of provident fund is low, and the interest is low; The interest on commercial loans will be higher.

5. Different sources of funds.

Let's stop here for the introduction of provident fund loans, Agricultural Bank of China and China Construction Bank.