Description of loan conditions and process of Beijing housing provident fund Steps/methods
Beijing housing provident fund loan conditions
To apply for housing provident fund loans from Beijing Housing Provident Fund Management Center, the depositor of housing provident fund must meet one of the following two conditions:
1. The loan applicant must establish a housing provident fund account for more than 12 months (inclusive), and at the same time pay the housing provident fund in full for more than 12 months (normal payment includes continuous monthly payment of housing provident fund, early payment and supplementary payment), and be in the state of payment when applying for a loan. With the approval of the center, the employees of the units in deferred payment status can apply for loans under the condition that they have established the housing provident fund account 12 months or more and paid the housing provident fund in full 12 months or more.
2. The loan applicant is a retired employee who has paid the housing provident fund during his employment. Meet one of the above conditions, you are eligible to apply for a "housing provident fund loan". Loan applicants who purchase policy-oriented housing are not subject to the time limit for the deposit of Beijing housing provident fund. The loan applicant can only apply for a housing provident fund loan if he meets the conditions of establishing a housing provident fund account and being in the state of deposit. Beijing Housing Provident Fund Loan Process
Second, does Beijing's housing provident fund loan review personal credit records? How long has the credit card expired? ...
Review! Any loan will be reviewed, and the interest on provident fund loans will be 30%. If you don't use provident fund loans, you can enjoy 30% without bad records.
It is up to you to decide whether to use the provident fund or not, which has nothing to do with the credit record. If there is a serious bad credit record, banks will not give loans with or without provident fund. This is not because there is a difference between using and not using provident fund.
It is said that some banks are unwilling to make provident fund loans, and it is true that provident fund loans have to wait several months longer than commercial loans.
Bad records can be cleared from the bank.
Third, does Beijing's housing provident fund loan review personal credit records? How many times does the credit card expire, and the provident fund is gone? Is it okay to have a bad record 24 months ago?
Beijing area: If you manage provident fund loans in Fangzhuang City, there is a special credit center to do credit evaluation for you, which is free at present. Generally refer to your work unit, working years, education, professional title, whether you have ever had a loan, etc. And take the credit record of China People's Bank as a reference (including credit card records). At present, the credit rating of provident fund loans is only a reference, not a standard for loan issuance. The credit rating is AAA from high to low. The provident fund window in the initial loan stage will let you fill in the authorization letter for credit evaluation, and the rating results will be directly entered into the provident fund loan system.