2, the loan information provided by the handling personnel for preliminary examination;
3. The handling personnel will input the loan information into the provident fund system;
4. Examiners should review loans;
5. Complete the loan approval and print the loan approval form.
The above is the relevant content of Suzhou Park provident fund loan.
Matters needing attention in buying a house with provident fund loan
1. Bad bank credit: If the credit is overdue, it will be considered as a credit problem, and the provident fund management center will not lend money easily;
2. Stop paying the provident fund: In many places, it is stipulated that buying a house with the provident fund must be paid continuously for more than 6 months before the loan can be made. Therefore, even if you plan to change jobs, you must continue to pay the provident fund, even if you get a loan. Otherwise, according to the relevant regulations, the provident fund management center will order you to pay back the unpaid provident fund, which needs to be paid in full every month during the loan period;
3. The applicant's liability rate is too high: if the applicant's liability rate is higher than 50% of personal or family income, the provident fund center will consider that the applicant has no ability to repay the loan and will not approve the issuance of provident fund loans;
4. The applicant has too many credit cards: credit cards are super prepaid. If the applicant has too many credit cards and the arrears are not settled, it will also affect the provident fund loan;
5. Number of loans: A family can only use the provident fund for two loans. If they have used provident fund loans twice, they will no longer get provident fund loans.
How to increase the amount of provident fund loans
1. Keep a good personal credit record: If you want to use provident fund loans to buy a house, users need to ensure good credit first, so that they can get a high amount of credit. Generally speaking, as long as the user is overdue for three times, it will become that the bank refuses to contact the user and will certainly not be able to apply for a loan successfully. Therefore, users should maintain their personal credit and repay in full and on time to avoid overdue situations, so as to avoid penny wise and pound foolish;
2. The higher the account balance, the better: the amount of provident fund loans shall not exceed 20 times the account balance. However, because many enterprises pay the provident fund according to relatively low standards, the monthly provident fund of most users is not high. If you are going to apply for a provident fund loan to buy a house, you can negotiate with the enterprise to increase the proportion of personal provident fund payment, thus increasing the balance in your account;
3. Submit other certificates: proof of family's stable economic income, proof of creditor's rights and debts related to repayment ability, valid certificates such as purchase contract and agreement, collateral used for guarantee, ownership certificate, certificate that the owner of the disposal agrees to mortgage and pledge, and collateral appraisal certificate issued by relevant departments. Submitting these certificates to prove an individual's repayment ability also helps to increase the loan amount.
This article is mainly about the knowledge points of provident fund loans in Suzhou Park, and the content is for reference only.