China Merchants Bank

China Merchants Bank's provident fund consumption loan can be applied by citizens who have continuously paid 12 months or more, and at the same time, they are required to have good credit. Applicants can borrow more than 20 times of the annual deposit amount of the provident fund, with a maximum of 300,000 yuan.

Everbright Bank

"China Everbright Bank Provident Fund Network Credit Consumer Loan" is a credit consumer loan product designed and developed by China Everbright Bank for individual housing provident fund depositors.

This product automatically evaluates customers' comprehensive credit through the system, and issues consumer credit loans to individual customers who meet the loan conditions of China Everbright Bank. This product supports the operation of loan from application, approval, lending to repayment.

China Citic Bank

CITIC Bank can apply for provident fund loans as long as it deposits for a certain period of time. The maximum loan amount can reach 6,543,800 yuan, the consumer loan period can reach 3 years, and the loan interest rate is not higher than that of offline similar products. And it only takes 2 minutes from application to loan.

Minsheng Bank

Minsheng Bank's provident fund consumption loan can be applied as long as it has been continuously deposited for more than 1 year, the individual's monthly deposit amount is above 500 yuan, and the credit is good.

Minsheng Bank's provident fund consumption loan amount has nothing to do with personal account balance. According to the applicant's personal credit, occupation, family debt and other comprehensive indicators, a single citizen can borrow up to 500 thousand yuan. The longest loan period is 3 years, with monthly interest payment and principal repayment at maturity.

Guangdong Development Bank

Guangfa provident fund credit loan and provident fund personal credit loan business is a comprehensive credit evaluation completed by Hangzhou Branch of Guangfa Bank based on the user's provident fund deposit information and personal credit information. Users who pass the examination and approval can enjoy personal credit loans issued by Guangfa Hangzhou Bank for decoration, shopping, tourism and other consumer purposes.

In terms of loan amount, credit is generated according to the proportion of personal deposits. "The monthly loan for 600 yuan can reach 80,000 to 90,000 yuan, and if your personal provident fund reaches about 4,000 yuan per month, it is possible to get a loan of up to 500,000 yuan.

When reviewing the loan application, you also need to check the applicant's personal credit file. Only people with good credit records can get loans. And those customers who have real estate in the local area will have a corresponding increase in the quota.

"Under normal circumstances, the loan approval time only takes 1 day. After approval, customers can withdraw cash within the credit line through online banking, mobile phones, counters and other channels. "

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.

How to use housing provident fund loans

1, loan application and review:

The undertaking bank accepts the borrower's personal provident fund loan application, reviews the application materials, and inputs relevant information into the provident fund loan management system. The Provident Fund Center will complete the online audit and confirmation within 1 working day, and feed back the audit results.

2. Sign a contract and go through relevant formalities;

Upon examination, the borrower who meets the conditions of provident fund loan will hand over the selling unit to the real estate transaction department where the house is located for mortgage registration after the undertaking bank is responsible for signing the contract and handling the relevant loan procedures.

3. Approve the transfer of entrusted loan funds:

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.

4. Bank loan:

After receiving the loan funds allocated by the provident fund center, the undertaking bank will post them and transfer them to the account stipulated in the loan contract within 1-2 working days.

Extended data

Provident fund loan conditions:

1. 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.

2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid 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.

3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.