Recently, Ping An Bank launched a new credit product called "Provident Fund Loan". The provident fund loan here is somewhat different from the traditional provident fund loan. Traditional provident fund loans are mainly real estate loans, but this is a sum, which means that as long as you have housing provident fund, you can apply for loans. Whether the loan can be successful depends on whether your other conditions are met. So what needs to be said here?
Recently, Ping An Bank launched a new credit product called "Provident Fund Loan". The provident fund loan here is somewhat different from the traditional provident fund loan. Traditional provident fund loans are mainly real estate loans, but this is a sum, which means that as long as you have housing provident fund, you can apply for loans. Whether the loan can be successful depends on whether your other conditions are met. So what needs to be said here?
Loan terms:
(1) The borrower must have good personal credit and no bad credit record; (2) The borrower has full capacity for civil conduct; (3) The monthly payment base of individual provident fund exceeds that of 400 yuan, and the continuous payment period exceeds 1 year; (4) Other conditions stipulated by Ping An Bank;
(5) Need to work continuously in the current work unit 1 year;
(6) The borrower agrees to handle housing mortgage loan and insurance;
(7) For the purchase of commercial housing, developers should be allowed to provide phased guarantees and report relevant information.
(eight) there are not less than 30% of the value of self-occupied housing; Generally speaking, people with stable jobs, government civil servants and high contribution base of provident fund, such as state-owned enterprise executives, get higher loans.
Let's take a look at the personal housing provident fund loan interest rate of Ping An Bank.
Personal housing provident fund loan interest rate of Ping An Bank:
Provident Fund Interest Rate Annual Interest Rate (%)
4.00 in five years
More than five years 4.50
What we have learned is that the good credit of Ping An Bank is necessary. At the same time, it is necessary to work in the current unit for one year, the monthly payment base of the individual exceeds that of 400 yuan, and the deposit period exceeds one year, so as to pass the application threshold and enter the examination and approval procedures. Judging from the loanable amount, the approval amount of this product is between 300,000 and 500,000, which needs to be comprehensively evaluated according to the borrower's monthly deposit base, professional nature and personal assets. Generally speaking, people with stable jobs, government civil servants and high contribution base of provident fund, such as state-owned enterprise executives, get higher loans.
After knowing this, do you know and help Ping An Bank's loan accumulation fund? Do you have more effective information about your plan to buy a house?
How about Ping An Bank provident fund credit loan? The maximum loan is 500,000!
Ping An Bank is a well-known financial institution in the industry with many businesses. If you are facing financial problems now, you can try to apply for a bank loan. For office workers, they can get a certain loan amount by paying their own provident fund. Today, I will briefly introduce the relevant contents of Ping An Provident Fund credit loan.
First, the introduction of provident fund credit loans.
1, the maximum loan amount is 500,000, and the initial loan amount is related to the user's qualification and reputation;
2. The term can be up to 4 years, and 12 months, 24 months, 36 months and 48 months can be selected at will;
3. The monthly interest rate of the loan is influenced by many factors, and the specific interest rate is subject to the displayed page.
Second, the provident fund credit loan application conditions
China citizens with second-generation ID cards.
25 years old (inclusive) to 55 years old (inclusive)
Good credit record
You can apply for provident fund payment if you meet certain conditions.
Three. Matters needing attention in loan
Quick loan: If you want to apply for this product, you'd better make sure the information is complete. The loan can be released as soon as 1 day after the application is submitted, and the unsecured loan can be obtained only by 1 visit.
Widely used: used for personal consumption such as decoration, tourism, further study, wedding, and business operations such as procurement and capital turnover, not for investment or gambling.
Promotion cities: Beijing, Shanghai, Guangzhou, Shenzhen, Dongguan, Foshan, Zhongshan, Zhuhai, Huizhou, Tianjin, Jinan, Qingdao, Xiamen, Fuzhou, Quanzhou, Hangzhou, Ningbo, Wenzhou, Nanjing, Chongqing, Chengdu, Dalian, Shenyang, Hefei, Zhengzhou, Haikou, Shijiazhuang, Kunming, Xi 'an, Wuhan and Shijiazhuang.
This product is suitable for office workers, because the income is stable and it is easy to apply for loans with provident fund. However, we must maintain the continuity of provident fund payment. The longer the payment time, the higher the balance and the easier it is to apply for a loan.
Which banks can handle provident fund loans? These banks can!
At present, many domestic banks can apply for provident fund loans You can apply for a loan as long as you meet the conditions. Different banks have different standards, and many cities have other regulations on provident fund loans. It is best to go directly to the outlets for consultation. The following are some common bank provident fund loans, subject to bank rules.
1, Postal Savings Bank-Provident Fund Credit Loan
Amount: 300,000 yuan, 500,000 yuan.
Interest spread
Repayment method: interest before principal/interest before principal.
Unit requirements: excellent occupations such as administrative institutions, civil servants, banks, hospitals, schools, state-owned enterprises and central enterprises can apply for the exam.
2. Bank of Zhengzhou-Provident Fund Credit Loan
Ok:10-300,000.
Interest spread
Repayment method: interest first, then principal.
Unit requirements: excellent occupations such as bus, railway, school, hospital, and financial punching can be applied.
3. Ping An Bank-Provident Fund Credit Loan
Quota: 500,000 yuan
Interest spread
Repayment method: equal principal and interest
Unit requirements: excellent occupations can enjoy the interest rate reduction plan, both individuals and private enterprises can.
4. China CITIC Bank-Provident Fund Credit Loan
Ok:10-300,000.
Interest spread
Repayment method: interest first, then principal.
Unit requirements: civil servants and institutions.
5. ICBC-Provident Fund Credit Loan
Amount: up to 500,000 yuan.
Interest: 2% 77
Repayment method: equal principal and interest
Unit requirements: civil servants, institutions, provident fund for one year, clerk 300 thousand, department head 400 thousand, department head 500 thousand.
The above are the loan products of common banks. As long as the qualifications are good, it is easier to apply successfully. You'd better start preparing six months to one year in advance, keep the continuity of the provident fund and have a good credit report.
How to calculate the Ping An Provident Fund loan?
1. The loan amount of provident fund should be combined with: repayment ability, proportion to house price, balance of housing provident fund account and maximum loan amount. The minimum value calculated according to these four conditions is the maximum loanable amount of the borrower;
2. If Ping An Bank applies for provident fund loans in Shenzhen, the amount of a single housing provident fund loan:
(1) 12 times of the balance of the housing provident fund account of the borrower and the applicant. 10% of the loanable amount if the provident fund has not been withdrawn for three consecutive years before the application;
For example, the balance of the housing provident fund account is 30000, and 12 times is 360000; If you have not withdrawn the provident fund for three consecutive years, you can borrow 360,000+360,000 *10% = 396,000;
Two people can borrow up to 500,000 yuan, and the applicant can borrow up to 900,000 yuan with * * *;
③ Not higher than the difference between the total purchase price and the down payment;
④ The monthly repayment amount (calculated by equal principal and interest) shall not exceed 50% of the applicant and the applicant's deposit base.
The above information is for reference only. For details, please consult the housing provident fund service hotline 12329.
Reply time: September 2020-18. Please refer to the latest business changes announced by Ping An Bank in official website.
[Ping An Car Owner Loan] A car can be loaned up to 500,000 yuan.
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