1, the first borrower must go to the bank or other lending organizations to inquire about the existence of social security provident fund loan services, because not all banks and financial enterprises can direct social security provident fund loans, after inquiries to choose the appropriate bank.
2, in accordance with the provisions of the bank ready to social security provident fund loans required materials, the borrower with social security provident fund loans required materials to the borrowing organization to fill out the loan application for processing, often need to hold an identity card proof of residence, proof of work unit, and its social security provident fund payment confirmation of these.
3, the borrowing organization in the receipt of the borrower's personal social security loan review, did not review the prerequisites of the borrower, but also the materials provided by the borrower, to ensure the authenticity of the material information. After the audit, the signing of the social security provident fund loan contract, there are collaterals need to apply for mortgage registration procedures.
4, the borrowing organization will distribute the loan within the specified time, after the payment of the applicant to be paid off in a lump sum according to the contract. After the settlement of the loan, if there is collateral also need to go through the release procedures. The prerequisites and its steps pertaining to social security provident fund loans vary from bank to bank and must be taken on a case to case basis.
The needs of social security provident fund loans generally include the following:1. Social security provident fund loans often require the borrower's age requirement to be 25 years old or above, with full civil capacity.
2, the borrower must have a good job and its fixed income, can repay the principal interest of the personal social security loan.
3, the borrower must have a better personal credit record, the bank must check the borrower's personal credit record, to ensure that the personal credit did not see the loan overdue personal behavior.
4, the need for social security provident fund, generally need to pay social security provident fund in more than one year, to the specific circumstances of the standard.
5, other conditions set by the bank, it is best to dial the bank's customer service hotline in advance to have an understanding.
Will the bank check credit twice before lending?
This depends on the provisions of the lending bank, after all, each bank, each place loan approval and view requirements are not the same, some banks will be in the review of a personal credit, but some banks in the next payment before the personal credit will be checked once again.
However, the effect of the second check of credit and the first check of credit will also be blocked, mainly depends on whether the lender in the loan approval whether a lot of debt occurs, because a lot of people once they see the mortgage approval, they began to have no scruples, run to apply for a consumer loan, or swipe the card to spend a large amount of money, which may lead to the lender's debt is high, so by the bank to stop the loan of the.
These things can not be done before the mortgage lending:1, do not have to apply for consumer loans:
Particularly on the credit consumer loans, regardless of whether through the audit, or the application for the unsuccessful, will be displayed in the personal credit report, the bank will be compared to the personal credit report to see the record, the content of the borrowing information to determine the status of the borrower's indebtedness, if the consumer loan audit is not passed The harm will be less, if found to increase the content of consumer loan borrowing information, may immediately stop the loan, or provisions to pay off the loan.
2, bank credit cards do not have to spend a large amount of consumption:
Mortgage lending before the credit card can be used to swipe the card, but do not propose to spend a large amount of consumption, the same bank credit card credit line are one of the lender's debt, if the most intuitive harm is caused by large consumption is the lender's debt ratio is too high, can be the bank feels that the funds are not enough to pay back the ability to refuse to pay off the loan.