Which banks can make provident fund credit loans?

1. Which banks can make provident fund credit loans?

Hi! Hello, I'm a loan officer in Zhengzhou. Thank you for inviting me. Let's look at this question: which banks can make provident fund credit loans?

Many people only know that provident fund can be used to buy a house, but they don't know that provident fund can also apply for credit loans.

In fact, every bank has provident fund credit loans. Here, the loan officer simply sorted out some of the most common products on the market.

Construction Bank: principal before interest or principal before interest, up to 300,000 yuan;

Bank of Ningbo: Interest before capital, with a maximum amount of about 500,000 yuan;

Shanghai Pudong Development Bank: interest before capital, up to about 500,000 yuan;

Agricultural Bank of China: interest first, principal later, and NetJet loan amount is 3,000-300,000 yuan;

Ping An Bank: equal principal and interest, with a quota of 500,000;

Minsheng Bank: the credit line of Minsheng Bank's provident fund, and individuals can apply for a maximum of 500,000 yuan; The longest loan period can be applied for 3 years.

China Merchants Bank: You can apply for a loan of 20 times the annual deposit of the provident fund of the loan applicant; But the maximum does not exceed 300,000 yuan;

Postal Bank: the principal after interest is 300,000,500,000;

Bank of Zhengzhou: Interest first, then funds, with a quota of 300,000 yuan;

Pearl River Bank: interest first, capital later, with a quota of 300,000 yuan;

Rural commercial bank: interest first, capital later, with a quota of 300,000 yuan;

China CITIC Bank: interest first, then capital, with a quota of 300,000 yuan;

Bank of China: equal principal and interest, with a quota of 300,000 yuan;

Industrial and Commercial Bank of China: equal principal and interest, with a quota of 300,000 yuan;

There are too many, so I won't list them here.

I am a loan officer in Zhengzhou, a teasing loan officer. In Zhengzhou, if you have a series of problems such as buying a house, transferring ownership, financial mortgage, existing home mortgage, bank credit, etc. , you can consult me. Come with me if you like!

2. Which banks can make provident fund credit loans?

Similarly, specifically whether your local provident fund loan business has been carried out, contact the personal loan department of the relevant outlets for confirmation!

3. What banks are there for provident fund loans?

To handle the provident fund business, you should go to the cardholder bank or the housing provident fund management center of the joint housing provident fund card.

At present, there are four banks that can handle co-branded cards. Co-branded cards issued by different banks have the same effect, and employees can only apply in one bank. Once issued, the joint card will be valid for a long time as a deposit certificate of housing provident fund. The names of banks and co-branded cards are:

1, Bank of Communications-Housing Provident Fund Joint Card (Pacific Card);

2. China Construction Bank-Housing Provident Fund Joint Card (Dragon Card);

3. ICBC-Housing Provident Fund Joint Card (Peony Card);

4. China Merchants Bank-Housing Provident Fund Co-branded Card (all-in-one card);

5. Bank of Beijing-Housing Provident Fund Co-branded Card.

4. Which banks can provide credit loans?

Those banks can provide credit loans: Commercial banks such as China Construction Bank, Bank of Communications, Industrial and Commercial Bank of China and Agricultural Bank of China can provide credit loans. When applying for a personal credit loan from a bank, the borrower shall fill in the application form in writing and submit a valid ID card, household registration book, income certificates of the loan applicant and his family members, and other materials required by the bank. The ultimate requirement of bank credit loan is that the applicant has a good credit record. These are banks that can provide credit loans. 1. Industrial and Commercial Bank of China: ICBC's e-loan service supports personal credit loans, and there is no need for guarantee or mortgage when making loans. The maximum amount of personal loan application is 200,000. 2. China Construction Bank: China Construction Bank has two credit loan products, namely Express E loan and Car E loan. The loan amount of two credit loan products is determined according to the applicant's personal loan qualification. 3. Agricultural Bank: Agricultural Bank provides credit loan services for customers who pay housing provident fund on time, with a maximum credit loan of 300,000 yuan. How to get a large credit loan: 1 Personal credit record: generally speaking, borrowers with good credit records get more loans than borrowers with blank or tainted credit records; 2. Occupational nature: the income of civil servants, teachers, state-owned enterprises and institutions is stable, and the loan risk undertaken by lending institutions is small. Of course, they are willing to give high loans; 3. Income: The amount of unsecured loans is closely related to personal monthly income. The higher the income, the more stable it is, and the higher the loan amount; 4. Provide effective financial proof: Although the borrower does not need to bring collateral as a guarantee for the credit loan, it will be of great help to increase the loan amount if it can bring more effective financial proof to the lending institution. To apply for a personal credit loan from a bank, the borrower needs to fill in the application form in writing and submit the following materials: 1, and his valid identity certificate; 2. Proof of residential address (household registration book, etc.). ); 3. Personal professional certificate; 4. Proof of income of the loan applicant and his family members; 5. Other information stipulated by the bank. The conditions for personal credit loans of banks are: 1. The borrower must be a natural person aged 65,438+08 with full capacity for civil conduct; 2. Have permanent residence or valid residence status in China; 3. The bank's credit loan first requires the applicant to have a good credit record; 4. Have the ability to repay the loan, and provide stable proof of occupation and income source, bank flow sheet, labor contract, etc. ; 5. Can provide complete purchase contract, purchase contract, admission card, investment plan and other documents. Documents proving the purpose of the loan; 6. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates; 7. Provide valid certificates recognized by the lending institution, and provide true and valid relevant information required by the bank; 8. Other conditions stipulated by bank lending institutions. Legal basis: Article 42 of the Law of People's Republic of China (PRC) Commercial Bank, the borrower shall repay the loan principal and interest on schedule. If the borrower fails to repay the secured loan at maturity, the commercial bank has the right to require the guarantor to repay the principal and interest of the loan or give priority to the repayment of the collateral. Real estate or equity acquired by a commercial bank due to the exercise of mortgage or pledge shall be disposed of within two years from the date of acquisition. If the borrower fails to repay the credit loan at maturity, it shall bear the responsibility in accordance with the contract.