Is it urgent to use money to buy or decorate a house now? If so, have you ever thought about getting a loan, but the interest rate of getting a loan from a bank is relatively high and the procedures are too complicated? Are there any other effective solutions? Of course there is. If you are a user who pays the housing provident fund, you can make a provident fund loan, which not only shortens your repayment time, but also reduces the interest rate a lot. If you are tempted, you can immediately understand the relevant matters of the provident fund to ensure your purchase.

Because there may be some differences in the rules of provident fund loans in each province and city, you need to know the conditions, processes and precautions of local provident fund loans in detail. Here I would like to introduce Changzhou provident fund loan first.

Changzhou provident fund loan application conditions

First of all, you need to be 18 years old and have certain civil capacity; Secondly, your housing provident fund should be paid continuously for more than half a year; After that, you have to apply for relevant documents, such as house certificate, building certificate and so on; In addition, you have good credit and have never defaulted on bank deposits; If you have not paid off the last provident fund loan, you need to pay off all the arrears before you can apply for a second loan.

Changzhou provident fund loan process

First, you should go to the relevant institutions for consultation before the loan, or please go directly to Changzhou Provident Fund Management Center to find out whether you are qualified to apply for a loan and know what you need to prepare in advance, which can save a lot of time. After that, you apply for a loan According to the information you consulted before, you choose the amount and duration of the loan you need, and then you apply. After that, you need to make monthly repayment according to the applied project.

In recent years, there have been some adjustments in Changzhou's provident fund loans. For example, the down payment has dropped to 20% of the total housing. With the increase of loan amount, if you borrow money together, you can only borrow 500,000 yuan at most, but now you can borrow 600,000 yuan together, which is 6.5438+10,000 yuan higher. Shorten the period of payment of provident fund, only shorten the period of individual payment, not shorten the period of company payment.

It can be seen that compared with bank loans, Changzhou's provident fund loan system is relatively good. If you really need to apply for provident fund loans, you can go to the relevant departments for consultation now. The interest rate of banks over five years has reached more than six points, while the use of provident fund loans is only more than four points, which shows that the use of provident fund loans is a good choice.

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