Can provident fund loans. Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to issue mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their working life. Workers who have paid housing provident fund for a certain number of years or more may apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.

The conditions of provident fund loans are as follows:

(a) only employees who have participated in the housing provident fund are eligible to apply for housing provident fund loans, and employees who have not participated in the housing provident fund cannot apply for housing provident fund loans.

(2) To participate in the housing provident fund, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

(three) one of the spouses has applied for a housing provident fund loan, and neither of them may obtain a housing provident fund loan before paying off the principal and interest of the loan. Because the housing provident fund loan is the financial support provided when meeting the basic housing needs of employees' families.

(four) when applying for housing provident fund loans, the loan applicant must have a relatively stable economic income and the ability to repay loans, and there are no other outstanding debts that may affect the repayment ability of housing provident fund loans. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

(5) The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

Can personal provident fund be used as a consumer loan?

Bank of China provides personal consumption loans. Personal consumption loans are divided into personal mortgage consumption loans and personal mortgage consumption loans according to whether there is mortgage or not. At present, the use of individual housing provident fund balance is not supported.

If you need a loan, you can consult your local BOC branch.

The above contents are for your reference. Please refer to the actual business regulations.

Can housing provident fund be loaned?

Housing provident fund can be loaned. Housing provident fund loans, should submit a written loan application to the bank, submit the ID card, housing provident fund withdrawal application form, housing ownership certificate, tax payment certificate and other related information. After signing the loan contract, guarantee contract and entrusted deduction agreement, an account is opened and the lending bank agrees to use the provident fund loan.

legal ground

Article 5 of the Regulations on the Management of Housing Provident Fund

The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.

Article 26

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Can I apply for provident fund loans?

Agricultural Bank of China and other 18 banks can do it. You can call the customer service phone of the bank for consultation.

1. You can consult the bank service number first.

2. Choose the bank that is most convenient for you.

3. Take relevant documents to the bank.

1. Provident fund loan refers to individual housing provident fund loan, which is a housing mortgage loan issued by the housing provident fund management center by entrusting commercial banks to purchase, build, renovate and transform housing provident fund depositors and retired employees who paid housing provident fund during their employment. Employees who have paid housing provident fund for a certain period of time or more (the period varies from city to city, such as Changsha1February or more) may apply for provident fund loans when the funds for purchasing and building houses are insufficient. Insufficient renovation and overhaul of self-owned housing.

The loan conditions are: the employees of this unit have signed labor contracts for more than 3 years (or signed 1 year labor contracts for 3 consecutive years); Land use certificate, provident fund deposit certificate, etc.

2. Loan conditions

Answer: Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

B. Participants in the housing provident fund system must also meet the following conditions when applying for individual housing provident fund loans: they must continuously deposit housing provident fund for at least 6 months before applying for loans. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

C one of the husband and wife has applied for a housing provident fund loan, and neither husband nor wife can obtain a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic needs of employees and families.

D when applying for housing provident fund loans, the loan applicant has no outstanding debts that may affect the repayment ability of housing provident fund loans, except for relatively stable economic income and repayment ability. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

E the longest term of provident fund loans shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

I have paid the housing provident fund for two years. Can I get a loan? How much can I borrow?

To apply for individual housing provident fund loan in China Bank, the amount of provident fund loan is 14 times of the balance of provident fund account, and the following conditions must be met:

(1) The monthly repayment amount (calculated by equal principal and interest or average principal) does not exceed 50% of the applicant's housing provident fund deposit base, which can be accumulated with the applicant's deposit base for * * * times;

(2) The amount of the provident fund loan is not higher than the difference between the total purchase price and the down payment.

(3) Not higher than the maximum amount of a single housing provident fund loan. Individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan, and the maximum amount of a single housing provident fund loan is 900,000 yuan if the applicant and * * * jointly apply and * * * deposit the housing provident fund in this city.

(4) If the applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the housing provident fund loan, the loanable amount of the housing provident fund loan calculated by the multiple of the balance of the housing provident fund account may be increased by 10%, but it shall not exceed the maximum amount of a single loan, the monthly repayment ability, and the difference between the total purchase price and the down payment.

The calculation of the final loanable line is subject to the system calculation.

Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.

The above contents are for your reference. Please refer to the actual business regulations.

Can I use the provident fund loan?

Yes, first calculate the loan amount and term, and then apply for a loan. After signing the contract, you can go through a series of formalities and then you can lend money.

1. The loan applicant shall submit a written loan application and relevant materials, which shall be accepted by the Construction Bank and submitted to the housing provident fund management department or directly applied to the housing provident fund management department.

2. Sign the contract. After the loan application is approved by the housing provident fund management department, the Construction Bank will sign a loan contract and a guarantee contract with the borrower. The borrower who chooses the entrusted deduction method must open a dragon card or savings account in China Construction Bank.