Unsecured credit loans for provident fund are unsecured loans in various forms such as provident fund and wages. Banks have developed and launched various forms of unsecured loans, such as provident fund or wages. Diversified products and diversified handling methods provide a lot of convenience for borrowers to apply for loans.

Unsecured loan conditions of provident fund

Applicable people: pay social security and provident fund normally, and have a good personal credit record.

Examination and approval conditions: At present, Ping An Bank, Bank of Beijing and other commercial banks have launched provident fund loans, but the examination modes of each bank are slightly different.

Bank of Beijing can use the amount of provident fund paid by the borrower to determine the loan amount. Except for borrowers who normally pay social security and provident fund, personal credit information is not overdue. As long as the monthly personal social security contribution is above 400 yuan or the personal provident fund contribution is above 360 yuan, they can apply, which can perfectly solve the problem of insufficient down payment for property buyers, and the maximum loan amount can reach 500,000 yuan.

Good credit of Ping An Bank is a must. At the same time, you need to work in the current unit for one year, and your monthly deposit base exceeds that of 400 yuan, and your deposit period exceeds one year before you can pass the application threshold and enter the examination and approval procedures. In terms of loanable amount, the product approval amount is between 300,000 yuan and 500,000 yuan, which needs to be comprehensively evaluated according to the borrower's monthly deposit base, professional nature and personal assets.