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.
What is the online credit consumption loan of China Everbright Bank Provident Fund?
"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 have reached the loan threshold of China Everbright Bank. This product supports the operation of loan from application, approval, approval to repayment.
The business scope is gradually opened to branch customers connected to provident fund centers all over the country.
What are the requirements for applying for the online credit consumption loan of China CITIC Bank Provident Fund?
With the advent of the information age, more and more people choose to apply for loans through the Internet. CITIC Bank's "provident fund network credit consumption loan" business is most popular among young people. Then, how do we apply for the online credit consumption loan of CITIC Bank's provident fund? What are the application conditions?
1. How to apply for online credit consumption loan of China CITIC Bank provident fund?
First, after logging in to CITIC Bank's online banking, click "Personal Loan-Online Loan-I want to spend" and the system will display "Being processed". After 2 minutes, the approval is completed, and the system will display information such as loanable amount and withdrawal validity period. At this time, you can withdraw money within the approved loan amount, and the whole service depends entirely on the bank's online banking.
Two, apply for CITIC Bank provident fund network credit consumption loan conditions
1, good credit information, under 60 years old (female under 55 years old);
2. The provident fund in the same unit has been continuously paid for two years, the monthly payment is normal, and the unit has access through CITIC Bank;
3. The online credit consumption loan of the depositor of the provident fund can only be used for personal consumption, such as car purchase, decoration, travel and shopping. , can not be used to buy wealth management products, fund stocks and other investment activities.
Three. Time limit and quota for applying for online credit consumption loan of China CITIC Bank Provident Fund.
The shortest loan period of online credit consumption loan of CITIC Bank can reach 3 years, and the maximum loan amount can reach 1 10,000 yuan. The expected annualized interest rate of the loan is not higher than that of similar offline products. It has the advantages of convenient application, quick examination and approval, flexible repayment method, repayment with borrowing, daily interest calculation and no mortgage guarantee. ?
What online loans can the provident fund do? How much can I borrow from the 30 thousand provident fund?
What kind of online loan can the provident fund do?
1, let me count the subjects.
My topic is an online consumer loan product that can be applied for with provident fund loans. The risk control is strict, and you need to submit your own provident fund information to review the credit line. It can be assumed that the loan amount issued by the lender is 50,000 yuan, and the longest installment period is 12 months.
2. Happy second loan
Happy second loan is a personal online consumer loan under Changsha Bank Group, and only consumers who have paid the provident fund can apply. Happy second loan is mainly for target customers such as medical insurance customers, corporate consumers of Changsha Bank, and consumers who pay social security and provident fund on time. The maximum loan amount is 800,000 yuan, which can be divided into 12 months at most.
3. Ctrip Finance
Ctrip Finance is a financial platform under Ctrip Group. Users can apply for loans in Ctrip Finance, or book hotels and buy things by installment. The maximum loan that customers can apply for in Ctrip Finance is 200,000 yuan, and the minimum loan is 3,000 yuan. If customers increase the information content of provident fund in their personal information, it will be beneficial to increase the credit limit.
Step 4 raise money and spend it
Fund-raising flower is a consumer loan product of Zhongyuan Consumer Finance Company and China UnionPay. Lenders can apply for loans only by relying on the personal credit report of the People's Bank of China and the credit card consumption bill of China UnionPay. The withdrawal credit line is between 1 0,000-200,000. Submitting provident fund information can comprehensively improve the success rate of loans.
How much can I borrow from the 30 thousand provident fund?
How much is the 30 thousand provident fund loan? The calculation of the actual provident fund loan amount should be based on four criteria: repayment level, housing price discount of provident fund loan, housing provident fund balance and maximum loan amount. The minimum value calculated by the four preconditions is the maximum loanable amount of the lender.
Loan amount calculated according to house price: loan amount = house price × loan discount. Among them, the loan discount is determined according to the different types of houses to be built and repaired and the number of housing loans; Workers apply for housing provident fund loans according to the loan amount calculated by the balance of housing provident fund,
The loan amount shall not be higher than 10 times of the balance of housing provident fund when employees apply for loans (the other half of housing provident fund is jointly used to apply for provident fund loans, which is the sum of the balance of housing provident fund of employees and their spouses). If the balance of housing provident fund is less than 20,000, it is estimated to be 20,000. According to that calculation, the provident fund of 30,000 yuan can also borrow 300,000 yuan.
How many times can I borrow my provident fund loan?
My provident fund loan can be borrowed twice, and the housing provident fund loan cannot exceed twice. After the two opportunities are exhausted, you can't apply for a loan even if you have more money in the provident fund. After all, the annual interest rate of my provident fund loan is very low. If everyone is allowed to apply indefinitely, the core of the housing provident fund will lose a lot.
Moreover, in the case of registering the second personal provident fund loan, the first loan with my personal provident fund will be paid off as soon as possible, which means that two personal provident fund loans cannot be generated under the same household, which is another difference between personal provident fund loans and commercial loans.
The demand for housing provident fund loans varies from place to place. There are some regulations: when applying for housing provident fund loans, the housing provident fund loans among the loan applicants are only 1. If the housing provident fund loan is paid off and meets the housing provident fund loan specifications, you can apply for a housing provident fund loan, but it belongs to the second home loan.
In the case of registering my provident fund loan, whether to apply for the basis is the key. The applicant must pay the housing accumulation fund in full and continuously for more than 6- 12 months, and have scientific and reasonable identity documents. For the house that has paid the down payment, a scientific and reasonable house sales contract can be guaranteed. Applicants must have a stable job and salary, have sufficient willingness and ability to repay, and can also guarantee effective protection or confirmation.
After reading the above detailed explanation, I believe everyone has a very good grasp of how many times I can borrow my provident fund loan. My provident fund loan has low interest rate and low repayment pressure, but we don't have to use up both opportunities at once. You'd better make a plan for your life.