As far as I know, provident fund loans in most areas are still applied offline. You need to submit a lot of paper materials, including your credit workflow, which can be extracted online after being reviewed by the provident fund center. But there is no way to apply for provident fund loans directly online.

Which platform on the Internet can use provident fund loans?

Provident fund loans can be made in Minsheng Bank, China CITIC Bank and China Guangfa Bank.

First of all, customers need to consult their provident fund loan qualifications in the entrusted bank of the provident fund management center. After confirming that the provident fund loan can be made, you can get the provident fund loan folder at the bank and fill in the information as required. Then they can go to the bank to apply for provident fund loans with the information required by the bank. According to the loan information provided by users, banks will conduct a comprehensive loan review for users. After the approval, the bank will ask the user to go to the bank for loan procedures. After receiving the notice, the user goes to the bank to sign a loan agreement. After completing the relevant mortgage procedures, the provident fund management center will finally make a final review of the loan, and after the final review is passed, the loan will be distributed to the customer's account.

2. The provident fund policy is as follows:

1. If there is no housing loan record in the name of the loan applicant and there is no housing in this city, it shall be handled according to the first home loan policy; No loans will be granted for the second suite or above.

2. The deposit period of the provident fund is 6,543,800 yuan per year, and if the deposit period is less than 654.38+ 0, the maximum loan is 6,543,800 yuan according to the calculation of 654.38+0. Married loan applicants are counted as spouses with long service years.

3. For households registered in the sixth district of the city, the loan amount for purchasing the first home in the sixth district of the city can be increased by1-200,000 yuan. The amount of the second suite is lowered to 600,000 yuan.

4. Down payment ratio: affordable housing is not less than 20%. The first suite, policy housing is not less than 30%, ordinary housing is not less than 35%, and non-ordinary housing is not less than 40%. Two suites, ordinary housing is not less than 60%, and non-ordinary housing is not less than 80%.

Three, the longest loan period can be calculated by 5 years after the statutory retirement age, in principle, the longest loan period is not more than 65 years old. Married loan applicants should be counted as the longer spouse.

6, the loan amount and loan term standard, the monthly repayment amount should not exceed 60% of the monthly income of the loan applicant.

How to use provident fund for online lending

You can use the housing provident fund mobile APP.

Step 1: The bank that provides the loan accepts the borrower's application for provident fund loan, and after reviewing the basic materials, the information is entered into the provident fund loan management system, and the provident fund center completes the online review and feeds back the results within one working day. Step 2: The borrower who meets the conditions of provident fund loan after examination shall be responsible for signing the contract and handling the relevant loan procedures by the bank providing the loan, and then the seller shall go to the real estate transaction department where the house is located for mortgage registration. Step 3: After receiving the mortgage-related loan information, the Provident Fund Center will complete the data verification and transfer of entrusted loan funds within 5 working days. Step 4: After receiving the loan funds allocated by the Provident Fund Center, the undertaking bank will post them and transfer them to the account specified in the loan contract within 1-2 working days.

On which platform can I use provident fund loans?

With the provident fund, you can borrow money on these platforms:

1. Minsheng Bank: In order to handle the credit loan of Gong Xi Loan, it is necessary to continuously deposit the provident fund for more than 1 year, and the monthly deposit is not less than 500, so the personal credit is good.

2. CITIC Bank: Credit loans are approved in seconds, and applications from provident fund users are also supported. Users can't have abnormal withdrawal records of provident fund except meeting the basic conditions.

3. Guangfa Bank: If there is a provident fund credit loan, it will refer to the provident fund deposit record.