If it is a portfolio loan, it may take longer to lend money, because in addition to the provident fund center, banks also need to process all kinds of information of lenders, which takes time, and the next payment may take half a year or even longer.
The amount of provident fund loan is related to the balance of the lender's provident fund account. The more the balance of the provident fund account, the more loans the lender can apply for, and of course it cannot exceed the maximum loanable amount stipulated by the local provident fund center.
After the lender successfully applies for a loan, it must repay the loan in full and on time according to the requirements of the loan contract. Of course, the lender can also apply for provident fund to offset the mortgage, as long as it meets the relevant requirements, it can handle the business and save some interest expenses.
When many people apply for online loans, they are told that they have become black households because of insufficient comprehensive scores. If it is not the illegal households caused by overdue, you need to find other reasons. For example, is it caused by the high frequency of online loan applications? You can find your own unclear places in "Beijian Quick Check". As long as you understand the reasons for becoming a black household, you can improve online loan big data according to the situation.
Extended data:
Is the withdrawal from the cancellation of the provident fund account all withdrawn?
Withdrawing the housing provident fund to cancel the account is indeed withdrawing all the account balance, but conversely, applying for full withdrawal of the housing provident fund is not withdrawing the account, and the housing provident fund account will not be cancelled because of withdrawing all the account balance.
It should be noted that the account can only be closed if the following conditions are met.
1. Migrant workers leave the city and terminate their labor contracts with their units.
2, completely or partially lose the ability to work, and terminate the labor relationship with the unit.
3. The account moves out of this city.
4. Go abroad to settle down.
5. Retire.
6. Dead or declared dead.
If you want to withdraw the housing provident fund in full, in addition to the above-mentioned cancellation of household withdrawal, the following situations also support full withdrawal, but will not be cancelled.
1. Withdraw housing accumulation fund in case of one-time payment for house purchase.
You can withdraw it in full once every quarter and up to four times a year.
2, self-built, overhaul from housing extraction housing provident fund.
The premise is that the account balance is lower than the actual expenditure, because it is stipulated that the total withdrawal cannot exceed the actual expenditure.
3. Rent a house and withdraw the housing accumulation fund.
You can withdraw it in full once a year (the annual withdrawal amount shall not be higher than the total annual rent).
4. Withdraw housing provident fund to repay the principal and interest of housing loans.
Select the annual offset method to offset the payable principal by withdrawing the account balance once a year (if it is a monthly offset method, the corresponding amount will be withdrawn every month to offset the payable principal and interest of the current month).
5. Family financial difficulties, receiving subsistence allowances or poverty due to major diseases/accidents.
Support the full withdrawal of subsidized households.