Some commercial banks can provide consumers with provident fund consumption loans, such as Guangfa Bank, China Everbright Bank, China Merchants Bank and China CITIC Bank. Take Guangfa Bank as an example, the maximum consumption loan of provident fund can reach 500,000 yuan, and a credit is valid for 5 years. The thread can be recycled and borrowed. The borrower needs to pay the provident fund for more than half a year and is over 25 years old. In addition, the amount of provident fund paid by the borrower every month cannot be lower than that of 600 yuan. Personal consumption loan of provident fund is actually a personal unsecured credit loan with provident fund as the reference certificate, and only users who have paid the provident fund can apply. Different from the requirements of general consumer credit card loans, provident fund personal consumption loans should not only meet the basic requirements, but also refer to the time and monthly deposit base of provident fund.
What is provident fund?
1. The monetization form of housing distribution generally refers to housing accumulation fund;
2. Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.
3. From July, 2065438 1 day, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform according to the requirements issued by the Ministry of Housing and Urban-Rural Development. On 202 1 July1day, the Ministry of Housing and Urban-Rural Development of the People's Republic of China confirmed the national housing provident fund service logo and decided to start it from now on;
4.202 1 year, various businesses of the national housing provident fund run smoothly, with the housing provident fund deposit of 29156.87 million yuan and the withdrawal of 66 1.2 1.03 million people.
To sum up, some commercial banks can provide provident fund consumer loans to users, such as Guangfa Bank, China Everbright Bank, China Merchants Bank and China CITIC Bank.
Legal basis:
Article 24 of the Regulations on the Management of Housing Provident Fund
In any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.