The provident fund can handle personal loan repayments if the following conditions are met:

1. The housing provident fund depositing employees must have paid the full monthly amount in this city in the past 12 months when applying for a loan. Pay housing provident fund. If the payment is interrupted due to the employer's reasons, the following provisions shall be met at the same time: the deposit shall be paid in full every month in the first 3 months (inclusive) when applying for a loan; the continuous interruption in payment shall not exceed 3 months (inclusive) in the 12 months before applying for a loan. ), the cumulative interruption of payment and deposit does not exceed 5 months (inclusive) and a make-up payment is required.

2. When employees who pay housing provident fund apply for a loan, the balance in their provident fund account should be no less than the deposit amount in the last 12 months.

3. In the personal credit report of the borrower applicant, the maximum number of overdue periods for personal loans in the two years before the time of loan application shall not exceed 3 periods (inclusive), and the cumulative number of overdue periods shall not exceed 6 periods (inclusive); due to the bank Overdue loans due to management and other reasons other than personal reasons of the loan applicant will not be included in the calculation.

4. When the borrower applies for a loan, the personal housing provident fund loan that he and his spouse have already processed must be paid off for more than one year.

Source: /fwt/zffw_386/gzj/dk/201404/t20140418_64112.html