You can use personal provident fund to make small loans. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.
1. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.
2. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support when it meets the basic housing needs of workers' families.
Second, personal provident fund small loans
1, legal and valid identity. In fact, no matter where you apply for a loan, you need to have legal and valid identity documents.
2. Have full capacity for civil conduct. After all, it is a loan, and it will be repaid one day, so you must have certain working ability.
3. Stable income and good credit status. If you want to borrow money, the loan company or bank is also afraid of risks, so the loan company will only lend money to people who have the ability to repay for safety reasons, and the credit status must be good.
4. Permanent residence or valid residence status; This may be overlooked because nothing is considered or used at ordinary times.
5. There is a legal purchase contract. Many friends may not understand this, but since I think
Third, does microfinance have an impact on provident fund loans?
1. If you really want to apply for a small loan, you'd better check the nature of the company online to see if there is a "small loan" in its business scope. Secondly, the amount of small loans is generally not high, but the interest is high, even several times higher than the benchmark interest rate of the central bank.
2. The operation process of microfinance will be more complicated, and the information to be provided will be more complicated. So generally speaking, microfinance only distinguishes between working people and people who do business by themselves. Remind! Most of the online applications are small loans, so be careful when friends order them. Also, microfinance is mostly in the name of "bank lending", but it is not.
3. Many small loans claim to be "without credit". But in fact, there are two kinds of credit information systems, namely "People's Bank Credit Information" and "Peng Expedition Letter". The people's bank of China is well known for its credit information, so many small loan companies claim that they "don't get credit information" because they can't get credit information from the people's bank of China. However, we should know that once the record of Peng Yuanzheng's letter is obtained, it may also affect the mortgage application.
The above information has given you a detailed introduction to all the knowledge about using personal provident fund to run small loans, hoping to provide some help to friends in need. Provident fund can apply for small loans, but only if you have paid the provident fund in full and on time and meet the loan conditions.