Which bank has the lowest loan interest rate for provident fund loans?

"It is said that rich people drive Mercedes-Benz to the VIP room of the bank to apply for loans, and ordinary people ride electric cars to the window to queue up for deposits." This sounds like a joke. It's actually quite normal. I saw it once. I remember there was a bank on Zhongzhou Avenue doing business with customers. When I was about to leave, a man suddenly greeted the customer. Chat learned that this is an employee of his company and came to the bank to deposit 50 thousand. I joked, "If I had known I wouldn't let my boss send it to you, you would have saved it in front of me and your boss lent it out behind my back." Of course, this is just a joke, you must not take it seriously, but it also reflects the truth of the above sentence from the side.

For people who do loan business, they basically deal with banks the most and always enjoy it. For ordinary people, sometimes they are embarrassed to borrow money because of face, especially banks, which have complicated procedures and are difficult to apply for. How can I get the money without being known?

In fact, when we encounter financial difficulties in life, the first thing to consider is the bank. Don't be embarrassed because even heroes have financial difficulties. If you don't believe me, "Qin Qiong sells horses and Yang Zhi sells knives" is not a hero.

Today, we will talk about what is a provident fund credit loan through classmate loans. What is the difference between it and the housing provident fund loan that we usually talk about when buying a house?

Provident fund credit loan is a kind of credit loan, which is a product launched by major banks for users who pay housing provident fund. Users can apply to the bank for a credit line of up to 500,000 with the record of provident fund deposit, without any property mortgage or guarantee.

Like other consumer loans, provident fund loans are supervised by the China Banking Regulatory Commission. Generally, it can only be used for personal consumption, such as decoration and tourism. Can not be used for investment or purchase of wealth management products.

In order to attract stable and high-quality users, many banks have launched provident fund credit loans. Some require that the monthly deposit base be greater than the number of years, some depend on how many years you have paid, and some require both.

Provident fund loan-simply speaking, it is a kind of mortgage. We can apply for a house purchase loan according to the amount and provisions of the provident fund deposit, which can only be used to buy a house. At present, the amount of housing provident fund loans in Zhengzhou is still very loose. When buying a house, you must choose a provident fund mortgage when you pay the provident fund. We should know that the commercial mortgage interest rate in Zhengzhou is as high as 6.37%, while the provident fund loan basically doubles by only 3.25%. Does it smell good?

The maximum amount of credit application for provident fund loan is about 10- 20 times of the individual's annual deposit, depending on the nature of the unit, personal income and assets and liabilities.

Such as 3360

If my current monthly salary is 10000 yuan, the individual pays 12% of my monthly salary, and the company pays 12%, which is 2400 yuan, and I pay 28800 yuan every year.

So the loanable amount of my provident fund credit loan is about 280,000 to 500,000.

Seeing many friends here, I can't help it. I want to ask for leave immediately to apply. Don't worry, you still have to do your homework to apply for a provident fund credit loan!

1. Application conditions for provident fund credit loan

The Lender has no real estate in the local name: he has a stable job in the local area and the unit has continuously paid the housing accumulation fund for at least 12 months.

Lender has a house in the local name: provide local real estate, and continuously deposit provident fund for at least one month, with a base of at least 4,000.

2 provident fund credit loan application materials

ID card, provident fund details (Alipay screenshot is also acceptable), household registration book, marriage certificate, work certificate and real estate license are provided voluntarily.

3. Term of provident fund credit loan

The service life is generally 1-5 years.

4. Interest rate of provident fund loans

The interest rate of provident fund credit loans is roughly in the range of 3%-7% annual interest. The repayment method can be to pay interest first, then the principal, or to borrow and pay back.

Be sure to check the personal credit report before applying to see if it meets the requirements of the bank.

So is the provident fund credit loan affected by the balance of the provident fund?

The answer is not affected. The lending channel of provident fund loan only depends on whether the customer repays the loan normally, not on the customer unit.

Banks mainly judge customers' repayment ability according to the applicant's provident fund deposit, and will not ask the applicant's provident fund balance, so customers' normal withdrawal of their own provident fund will not affect the loan.

The answer is no! This is a credit loan. Your provident fund is not mortgaged to the bank. It is only used as a key reference document and does not affect your handling of housing provident fund loans or withdrawals.

For us ordinary office workers, this should be the lowest interest rate bank consumption loan you can reach!

Finally, what I give you is: although the loan is good, don't be greedy!

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