Nowadays, more and more enterprises improve employee welfare and begin to issue provident fund loans for employees. For friends who normally pay provident fund, I definitely want to know how to borrow provident fund loans. Today, I will give you a detailed introduction to the process, purpose and matters needing attention of provident fund loans.

Loan process

1. I bring my ID card and other loan application materials to the bank or real estate development company to submit a loan application;

2. Waiting for banks and provident fund management centers to conduct preliminary examination, review and approval of loans;

3. After approval, the borrower signs a loan contract with the bank, and then cooperates with the bank to handle mortgage registration with the real estate management department;

4. Wait for the bank to apply for loan indicators from the provident fund center. After the indicators are issued, the bank will pay for everyone.

The intended use of the loan

Provident fund loans can be used for many purposes, not only to buy a house, but also for family decoration, house leasing and so on. So you can choose the appropriate use according to the actual situation.

Matters needing attention

1. Because the review of provident fund loans is much stricter than that of ordinary commercial loans, everyone must have a comprehensive understanding of their credit information, liabilities and income before handling provident fund loans, and then decide whether to apply for loans and how to apply for loans.

2. Under normal circumstances, the review and issuance speed of provident fund loans is much slower than that of ordinary commercial loans, so everyone needs to be prepared in advance.

Through the above, I introduced how to borrow provident fund loans, hoping to help everyone.