Provident fund personal loan

What online loans can the provident fund make? How much can I borrow from the 3 thousand provident fund?

what kind of online loans can provident fund make?

1. I'm going to the number department

I'm going to the number department, which is an online consumer loan product that can be applied for with provident fund loans. The risk control is relatively strict, and I need to submit my own provident fund information before I can review the credit line. It can be assumed that the lender will grant a loan amount of 5, yuan, and the maximum installment period is 12 months.

2. Happy Seconds Loan

Happy Seconds Loan is a personal online consumer loan under Changsha Bank Group. Only consumers who have paid the provident fund can apply. Happy second loan is mainly for the target customers such as medical insurance customers, corporate consumers in Changsha Bank, and consumers who pay social security and provident fund on time. The maximum loan amount is 8,, 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, and they can also book hotels and buy things in installments. The maximum amount of loans that customers can apply for in Ctrip Finance is 2, yuan, and the minimum amount is 3, yuan. If customers improve the information content of provident fund in their personal information, it will be beneficial to improve the credit limit.

4. Withdrawal of money

Withdrawal of money is a consumer loan product of Zhongyuan Consumer Finance Company, which is hand in hand with China UnionPay. The lender can apply for a loan only by relying on the personal credit report of the ordinary people's bank and the flow of China UnionPay credit card bills. The credit line for withdrawing money is between 1 million and 2, yuan. Submitting the information of provident fund can improve the success rate of loans in an all-round way.

how much can I borrow from the 3, provident fund?

how much is the 3,-yuan provident fund loan? The calculation of the actual provident fund loan amount should be based on four criteria: repayment level, house 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 the 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; According to the loan amount calculated from the balance of housing provident fund, if an employee applies for housing provident fund loans,

the loan amount should not be higher than 1 times the balance of housing provident fund when the employee applies for loans (the other half of housing provident fund is used together to apply for housing provident fund loans, which is the sum of the balance of housing provident fund for employees and their spouses), and the balance of housing provident fund is less than 2,, so it is estimated as 2,. According to that calculation, a loan of 3, yuan can also be made if the provident fund is 3, yuan.

how many times can I borrow my provident fund loan?

My provident fund loan can be loaned twice, and my housing provident fund loan can't be loaned more than twice. After the two opportunities are exhausted, you can't apply for a loan even if you have more money in your provident fund. After all, the annual interest rate of my provident fund loan is very low. If you let everyone apply for it indefinitely, the core of the housing provident fund will lose a lot of money.

Moreover, in the case of registering my own provident fund loan for the second time, the first loan with my own provident fund should be paid off as early as possible, which means that the same household cannot generate two provident fund loans that have already been repaid to individuals, which is another difference between a personal provident fund loan and a commercial loan.

the demand for my own provident fund loan varies from place to place, and there are some regulations: when applying for housing provident fund loans, those who apply for loans have only one record of housing provident fund loans. If the housing provident fund loans are paid off, they can apply for housing provident fund loans, but they belong to the second home loans.

in the case of registering my own provident fund loan, it is the key whether to apply for the basis. The applicant must keep paying the housing provident fund in full for more than 6-12 months, and have scientific and reasonable identity documents, which can ensure a scientific and reasonable housing sales contract for the house that has already paid the down payment. The applicant must have a stable job and salary, sufficient willingness and ability to repay, and can also ensure effective protection or confirmation.

after reading the above detailed explanation, I believe that everyone has a very good grasp of the situation that my provident fund loan can be loaned several times. My provident fund loan interest is low, and there is little pressure in the repayment work, but we don't have to use up the two opportunities at once. It is best to make a plan for our own life.

I want to apply for a provident fund loan online, which is more reliable?

bank provident fund loans are the most reliable. As long as you pay the provident fund and expand the information, you can apply for a provident fund loan when you buy a house. As for which provident fund loan platform to apply for a loan, you can see if he has a formal business license, and you can apply for a loan as long as there are formal procedures. The meaning of provident fund loan and commercial loan. Housing provident fund loans are loans enjoyed by employees who have paid housing provident fund. According to the state regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans. Commercial loans, called individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to buy ordinary houses for their own use, and the legal loan interest rate is implemented. The difference between provident fund loans and commercial loans: the loan interest rate is different. The benchmark interest rate for commercial loans over five years is 4.9%, and the interest rate for provident fund loans over five years is 3.25%. Difference 2: the loan ratio is different for the same house. If the first set of commercial loans in the city can be 7%, then the first set of pure provident fund loans can be almost 8% at most. Difference 3: the loan process is different. When applying for a commercial loan, the loan should be reviewed before the transfer, and the provident fund loan is reviewed after the transfer. Difference 4: The approval time is different. It takes about 2 working days for commercial loans, and 4 working days for provident fund loans. Commercial loans are faster than provident fund loans. Difference 5: Different sources of loans The source of commercial loans is mainly public funds raised by commercial banks and other lending institutions, while provident fund housing loans are funds paid by provident fund payers. Difference 6: different commercial loans for users are open to all eligible members of the public, while provident fund loans are only open to employees who pay provident fund. Difference 7: Interest uses are different. The interest of commercial loans is the profit of commercial activities and belongs to the relevant investors, while the interest of provident fund is used according to the policy and can only be used for the construction of affordable housing. Difference 8: different commercial loans of the examination and approval institutions are mainly approved by banks, and the decision is made by banks; The provident fund mortgage needs to be approved by the provident fund management center, and the decision-making power is in the provident fund management center, and the bank is only the executing agency. Difference 9: Different banks and different urban provident fund management centers have different regulations. Generally speaking, commercial loans can choose longer repayment periods and higher quotas. Difference 1: The policy restrictions of different commercial loans for the second home on the second home loan are relatively reliable loan platforms. If there is no financial license, it is an informal loan product, and users are advised not to apply for loans on this platform. If there is demand, we recommend you to use Money Flower. Money Flower is a credit service brand under Du Xiaoman Finance (formerly known as Baidu Money Flower, renamed as "Money Flower" in June 218), and the big brands are trustworthy with low interest rates. Money is spent-full of easy loans, the maximum loan amount is 2,, and the daily interest rate is as low as .2%. Click online measurement has the characteristics of simple application, low interest rate, quick loan, flexible loan and repayment, transparent interest rate and strong security. Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: If you have money to spend, you refuse to provide consumer installment loans to college students. If you are a college student, please give up your application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and I can't apply with temporary id card, expired ID card or first-generation ID card. Online lending is risky, so choose carefully!

which platform on the Internet can use provident fund loans

Provident fund loans can be made at Minsheng Bank, China CITIC Bank and China Guangfa Bank.

first, customers need to consult their qualifications for provident fund loans at the trustee bank of the provident fund management center, and after confirming that they can make provident fund loans, they can get the provident fund loan folder at the bank and fill in the information as required, and then go to the bank to apply for provident fund loans with the information required by the bank. According to the loan information provided by the user, the bank will conduct a comprehensive loan review for the user. After the review is passed, the bank will call the user to go to the bank for loan procedures. After receiving the notice, the user goes to the bank to sign a loan agreement. After handling the relevant mortgage procedures, the provident fund management center will finally make a final review of the loan, and after the final review, the loan will be released to the customer's account.

2. The policies of provident fund are as follows:

1. If the loan applicant has no housing loan record and no housing in this city, it shall be handled according to the first home loan policy; No loans will be granted for two or more suites.

2. The deposit period of the provident fund is 1, yuan per year. If the deposit period is less than one whole year, the maximum loan is 1.2 million yuan. Married loan applicants shall be calculated by the spouse who has a long service life.

3. For households registered in the sixth district of the city, the loan amount of the first suite purchased in the sixth district of the city can rise by 1,-2, yuan. The amount of the second suite was lowered to 6, yuan.

4. down payment ratio: not less than 2% for affordable housing. The first suite, policy housing is not less than 3%, ordinary housing is not less than 35%, and non-ordinary housing is not less than 4%. The second suite, ordinary housing is not less than 6%, and non-ordinary housing is not less than 8%.

third, the longest loan period can be calculated as 5 years after the statutory retirement age, and in principle, the maximum loan period should not exceed 65 years old. Married loan applicants shall be counted as the longer of the husband and wife.

6. As for the loan amount and loan term, the monthly repayment amount shall not exceed 6% of the monthly income of the borrower.

how is the provident fund credit loan? You may need this raiders

Many people think that provident fund can only be used for loans to buy a house, but in fact, the role of provident fund is far more than this. For example, if depositors don't open it, they can also apply for credit loans with provident fund. So how is the provident fund credit loan loaned? Here, let's introduce the conditions and procedures for handling provident fund credit loans. Let's take a look.

how is the provident fund credit loan?

Provident fund credit loans are RMB loans issued by major banks to customers who deposit housing provident fund for various legitimate consumption purposes, and will refer to the borrower's provident fund deposit records, deposit amount, etc. For example, Minsheng Gongxi Loan, BOC E Loan, Postal Loan-High Quality Loan are such loans.

to apply for a provident fund credit loan, you must first meet the loan requirements, and then apply at a mobile phone bank or bank outlet. Different banks have different requirements for provident fund credit loans. Here, take the Postal Savings Bank's postal loan-high quality enjoyment as an example.

Post-based loan-high quality loan, which is for employees aged 18-6 who have a good credit record and a stable income source. The specific requirements are subject to local outlets. Borrowers can apply through two online channels: mobile banking and WeChat banking. The process is as follows:

1. Mobile banking: click "Home-Loan-I want to spend" to enter the unified entrance of postal loan to apply;

2. wechat bank: click "postal finance-personal loan application-postal loan-high quality enjoyment" to apply.

The above is the relevant introduction of "How to borrow the provident fund credit loan". Finally, I would like to remind everyone that after the successful handling of the provident fund credit loan, the balance of the provident fund account is not used for repayment. The borrower should deposit enough money in the provided repayment bank card, and the system will deduct the money to recover the loan.

online loans with provident fund

what are the online loans with provident fund in p>222?

1. Having money to spend

Having money to spend is a platform for loans based on provident fund, and it is a loan product launched by Baidu's Xiaoman Finance. Users with provident fund can choose to certify the provident fund when certifying the information, and the general loan with good credit information is 3,-5,.

2. Easy-to-enjoy flowers

Easy-to-enjoy flowers is also a platform for loans based on provident fund. Recently, the channel for authorizing the withdrawal of the provident fund has been opened, and older brothers who have obtained the quota can also authorize the withdrawal of the provident fund. Users who normally have punch-in wages or provident fund will basically have a certain amount of increase after granting credit.

3. Central Plains Consumer Finance

The Central Plains consumer finance loan platform has a provident fund loan model, which is mainly for users who pay the provident fund. It needs to pay the provident fund continuously for more than 12 months, and the maximum amount is 2, yuan. It supports recycling within one year, and the interest is calculated one day at a time, which is very suitable for users with provident fund.

4. Gome Easy Card

Gome Easy Card is a credit loan platform owned by Gome. It can provide proof of provident fund for authentication at the application stage, and it will be paid soon if there is provident fund. It can provide a loan of up to 2, yuan for borrowers with provident fund, with a maximum installment period of 3 years and a monthly interest rate of .66%. Users who have certified the provident fund can just wait for the loan after passing. Personal provident fund account is in the state of normal payment, and it is better to pass the deposit for more than 6 months.

5. CCB Express Loan

CCB Express Loan is a pure online personal credit loan product that belongs to China Construction Bank and is open for high-quality cardholders of CCB. At present, the maximum application amount of CCB Express Loan is 2,, and the service period is 36 months. The monthly payment of individual provident fund is over 6 months (6 months is the minimum standard), and the amount is generally about 1 times of the balance of provident fund, with a maximum of 3,. If the monthly payment of the provident fund is 5, then your loan amount is up to 5,.

6. Jinsi Loan

Jinsi Loan 51 is a personal provident fund credit loan product that is open for users with provident fund accounts. At present, the maximum amount of Jinsi Loan can be applied for is 5,, and the longest service period can be divided into 24 months. Personal identity authentication and face recognition are provided at the time of application, and then the current provident fund account with a continuous payment of 3 months and a monthly deposit base of more than 3 is required. In fact, there are many provident fund-related loan products in 51 provident fund managers, such as Jinyi Loan, Jinjia Loan and Gold Card Loan. You can apply directly through the entrance link below.

7. China Merchants Bank's lightning loan

Lightning loan is a pure online personal credit loan product operated by China Merchants Bank Co., Ltd., which is open to individuals. At present, the maximum amount of lightning loan that can be applied for is 3,, and the longest service period is 24 months. In fact, the amount of lightning loan is a revolving amount, and interest is paid on a daily basis. Personal credit information is good, and users who often use China Merchants Bank to manage money or pay wages on behalf of China Merchants Bank or have provident fund or pay taxes regularly every month can apply for lightning loans.

can I transfer commercial loans to provident fund loans online? What are the requirements for transferring commercial loans to provident fund?

Whether commercial loans can be transferred to provident fund loans depends on local conditions. Some places can already handle them online, such as commercial housing in Shenzhen.