The provident fund bank card process is strict.
As a national welfare loan, provident fund loans have strict requirements for bank cards. Because it is necessary to know the economic income of customers through bank running water and whether they have sufficient repayment ability (generally, the bank running water is required to be at least twice the monthly mortgage repayment).
In addition to the flowing water of banks, provident fund loans also pay special attention to the borrower's provident fund deposit base. People who can work in large companies, enterprises and institutions are all high-quality customers in the eyes of banks.
These people generally have high incomes and stable jobs. The provident fund paid by the unit every month will also be automatically transferred to the bank's mortgage repayment account, so it is not important for the bank to have running water.
Does the provident fund queue up for lending still need to be audited?
It may also be necessary to review the queuing loans of the provident fund. Lend money within 1-2 working days after approval, and no later than 15 days. If the loan has not been released after the time, it may be a second audit. To this end, don't think that the provident fund will be stable after the audit, and then go to the loan, spend a lot of money with credit cards and so on.
If the second audit finds that the borrower's debt is high, or there are new loan records before the loan, especially various small loans, it will affect the loan.
How much should I borrow from the provident fund to buy a house?
Whether you can buy a house with a provident fund loan has nothing to do with the amount of provident fund, but only with the time of deposit. Banks generally require customers to pay the housing provident fund in full and on time for more than six months, and the provident fund account must be in a normal state when applying. If they meet this requirement, they can apply for provident fund loans.