The provident fund center may call the company when auditing the customer's work and income information, and the provident fund center may select some lenders' information for a telephone return visit, so the company may still receive a phone call from the provident fund audit.
In order not to affect the provident fund loan application, the loan information submitted by customers must be detailed and accurate, and the submitted information cannot be forged. Once the provident fund center finds a problem, the customer's loan application will be in trouble.
Is the review of provident fund withdrawal strict?
The review of bank provident fund loans is relatively strict. As we all know, compared with the online lending institutions in the market, the bank's review is strict, and among the many loan products of the bank, the review of microfinance is relatively loose. For loans with a large amount, such as provident fund loans and auto loans, banks will generally increase their audit efforts for risk reasons, and will comprehensively consider the borrower's repayment ability, willingness to repay and personal credit status.
Can I borrow 300 thousand from the 5 thousand provident fund
A 5000 yuan provident fund may not be able to borrow 300,000 yuan. The amount of provident fund loan is not only based on the account balance, but also needs to consider repayment ability, house price ratio and maximum loan limit.
Theoretically, the loan amount of provident fund can be calculated according to the account balance, and you can apply for a loan amount of 10-20 times. If the provident fund is 5000 yuan, you can apply for a loan of 500-65438+ 10,000 yuan.
In addition, if the borrower's unilateral deposit status meets the housing provident fund loan conditions, the maximum single loan amount shall generally not exceed 400,000 yuan; If the deposit status of both husband and wife meets the housing provident fund loan conditions at the same time, the maximum single loan amount is generally not more than 600,000 yuan.
If you want to borrow 300,000 yuan, the borrower's provident fund account balance must at least exceed 30,000 yuan.