1. Does divorce affect the loan after two years of loan?

Yes

Second, can I still apply for provident fund loans after applying for Bank of Ningbo White Collar Link loans?

There is no correlation between them, but when applying for provident fund loans, a credit investigation will be conducted, and whether individuals lend money will be reviewed.

provident fund loan process

1. Submission of materials

When the borrower applies for provident fund loan in the management department of the provident fund management center where he has paid the provident fund, if he chooses the guarantee center to provide the guarantee, he shall submit all the materials required for personal loan application, including personal and spouse's ID card, household registration book, marriage certificate, divorce certificate, proof of down payment for house purchase and house purchase contract. Certificate of deposit of housing provident fund, etc.

2. Notice of examination

After the loan application is approved in the first instance, the management department will issue Notice of Examination of Guarantee Application, print the Loan Contract, Mortgage (Counter-guarantee) Contract and other relevant legal documents, and submit all personal loan information to the guarantee center

3. Approval

If the guarantee center examines the guarantee application and the borrower meets the guarantee conditions, If the borrower entrusts an intermediary agency to handle the provident fund loan, the agency will be responsible for the guarantee application procedures and collect the guarantee service fee

4. Payment

The borrower pays the guarantee service fee according to the approved Opinion on Guarantee Application, and the guarantee center issues an invoice for the guarantee service fee. Stamp the approved legal documents such as Loan Contract, Mortgage (Counter-guarantee) Contract and Custody Contract with the official seal of the Guarantee Center

5. Transfer the materials

The approved personal loan application materials (including the sealed contract) are transferred by the Guarantee Center to the Housing Provident Fund Management Department, and the intermediary agency is responsible for the transfer of the above materials

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