China Merchants Bank

China Merchants Bank's provident fund consumption loan can be applied by citizens who have continuously paid 12 months or more, and at the same time, they are required to have good credit. Applicants can borrow more than 20 times of the annual deposit amount of the provident fund, with a maximum of 300,000 yuan.

Everbright Bank

"China Everbright Bank Provident Fund Network Credit Consumer Loan" is a credit consumer loan product designed and developed by China Everbright Bank for individual housing provident fund depositors.

This product automatically evaluates customers' comprehensive credit through the system, and issues consumer credit loans to individual customers who meet the loan conditions of China Everbright Bank. This product supports the operation of loan from application, approval, lending to repayment.

China Citic Bank

CITIC Bank can apply for provident fund loans as long as it deposits for a certain period of time. The maximum loan amount can reach 6,543,800 yuan, the consumer loan period can reach 3 years, and the loan interest rate is not higher than that of offline similar products. And it only takes 2 minutes from application to loan.

Minsheng Bank

Minsheng Bank's provident fund consumption loan can be applied as long as it has been continuously deposited for more than 1 year, the individual's monthly deposit amount is above 500 yuan, and the credit is good.

Minsheng Bank's provident fund consumption loan amount has nothing to do with personal account balance. According to the applicant's personal credit, occupation, family debt and other comprehensive indicators, a single citizen can borrow up to 500 thousand yuan. The longest loan period is 3 years, with monthly interest payment and principal repayment at maturity.

Guangdong Development Bank

Guangfa provident fund credit loan and provident fund personal credit loan business is a comprehensive credit evaluation completed by Hangzhou Branch of Guangfa Bank based on the user's provident fund deposit information and personal credit information. Users who pass the examination and approval can enjoy personal credit loans issued by Guangfa Hangzhou Bank for decoration, shopping, tourism and other consumer purposes.

In terms of loan amount, credit is generated according to the proportion of personal deposits. "The monthly loan for 600 yuan can reach 80,000 to 90,000 yuan, and if your personal provident fund reaches about 4,000 yuan per month, it is possible to get a loan of up to 500,000 yuan.

When reviewing the loan application, you also need to check the applicant's personal credit file. Only people with good credit records can get loans. And those customers who have real estate in the local area will have a corresponding increase in the quota.

"Under normal circumstances, the loan approval time only takes 1 day. After approval, customers can withdraw cash within the credit line through online banking, mobile phones, counters and other channels. "

Is provident fund credit loan reliable?

Reliable.

Provident fund credit loan refers to a loan granted to individuals with personal provident fund deposits as the guarantee, without providing mortgage or guarantee. This kind of loan can generally be applied through the provident fund management center or the bank.

The security of provident fund credit loan depends on the borrower's repayment ability and credit status, as well as the credit status and repayment ability of provident fund management center or bank. Generally speaking, provident fund credit loan has low interest rate and long repayment period, which is suitable for individuals with stable income and good credit.

However, the provident fund credit loan also has certain risks. If the borrower fails to repay the debt within the repayment period, the provident fund management center or bank can recover the debt from the borrower and even deduct the amount of the provident fund deposit. Therefore, borrowers should carefully evaluate their repayment ability when applying for provident fund credit loans to avoid debt accumulation.

How to apply for provident fund credit loan? What are the requirements for provident fund credit loans?

Provident fund is usually called housing provident fund, which is a kind of money-saving housing welfare for us to apply for a loan to buy a house. Provident fund credit loan means that as long as you pay the provident fund, you may successfully apply for a personal credit line loan from the bank when you are facing financial difficulties. Then, what conditions do provident fund credit loans need to meet? Let me introduce it.

1. What are the requirements for the provident fund credit loan?

First of all, borrowers applying for provident fund credit loans need to prepare proof of marital status, as well as spouse's ID card and household registration book, down payment contract for house purchase, and house sales contract or agreement.

Secondly, the borrower must meet the requirements of continuous deposit of provident fund for more than one year, and the bank will print the credit report of the borrower and spouse, and there must be no bad credit record. You can't apply for a provident fund credit loan as long as you don't meet one point.

Finally, everyone needs to pay attention. If you want to apply for a loan, you must first optimize your credit information. If there are overdue debts, solve them first, and then apply for a good credit report, which will have a great chance of passing.

Second, how to apply for a provident fund credit loan?

You should first check your own provident fund payment base and time, and then check and print a detailed credit report to see if your credit is good. After judging that the application conditions are met, go through the process.

First consult the local banks that can handle provident fund credit loans. Not all banks support this kind of loan. Ask the local banking institution.

Secondly, after determining the bank, you can directly bring your valid ID card and the deposit card of the bank where you open the account to the counter. Or you can open the mobile banking of the bank and handle it directly online. It usually takes only a few hours to get the account, which is very efficient.

Finally, for changing the style, you can choose to repay the principal and interest in the same amount, or you can choose to pay the interest first, depending on your own situation.

Can the provident fund be used for personal loans?

Provident funds can be used for personal loans. There are two types of loans:

1, provident fund personal housing loan requires that the provident fund cannot be paid off before the loan, and it must be continuously paid to meet the requirements of the local housing provident fund. The balance of the provident fund account and the deposit base of the provident fund are also important reference factors.

2. Provident fund personal credit loan. Many banks provide pure credit loans to provident fund users, but they should also refer to factors such as the time and base of provident fund deposit. But it is not based on provident fund loans, what is important is to pass the applicant's credit conditions.

How to borrow personal provident fund loans?

First of all, you should consult the local housing provident fund management center and its counterpart bank loans to see if you meet the conditions for provident fund loans. After meeting the requirements, you can set up a "personal housing provident fund loan folder".

According to the requirements, after filling in the received form, you should prepare your ID card, household registration book, down payment certificate, etc. And submit it to the bank for a loan.

Next, the bank will inform everyone to conduct a face-to-face loan review, then investigate the housing information and approve the corresponding loan amount and term. After it is approved, the bank will directly contact the borrower and inform him to go to the bank to go through the final loan procedures, sign a loan contract and apply for real estate mortgage. Finally, the bank will directly put the money into the account of the real estate developer, and the loan user will repay the loan on schedule later.

Provident fund loan conditions

Although provident fund loans are much more cost-effective than commercial loans, not everyone can apply. To apply for a housing provident fund loan, the applicant must meet the loan conditions stipulated by the local provident fund management center, and the ordinary borrower must meet the following conditions:

1. The borrower is a legal citizen of China and has paid the housing accumulation fund in full for more than 6 months (12 months). When applying for a housing provident fund loan, the status of the provident fund account is normal;

2. The borrower has a stable job and income, and has the ability to repay the loan principal and interest;

3. The borrower's personal credit status is good;

4. The borrower has paid the down payment for the house purchase as required;

5, can provide guarantee in accordance with the requirements of local laws and regulations;

6. Meet other conditions stipulated by the provident fund management center.

This is to introduce which bank has a high personal credit accumulation fund loan amount or a high personal credit accumulation fund loan amount. I wonder if you have found the information you need?