1. How to get a Beijing provident fund credit loan?
Beijing Housing Provident Fund Loan Conditions and Process Description Steps/Methods
Beijing Housing Provident Fund Loan Conditions
Apply for a housing provident fund loan to the Beijing Housing Provident Fund Management Center A person whose housing provident fund payment must meet one of the following two conditions:
1. The borrower applicant must have a housing provident fund account for more than 12 months (inclusive), and at the same time pay and deposit the housing provident fund in full and normally for 12 months Months (inclusive) or more, (normal payment includes monthly continuous payment, prepayment, and back payment of housing provident fund), and it is in the payment status when applying for a loan. For units that have been approved by the center and are in a deferred payment status, their employees can apply if they meet the conditions of establishing a housing provident fund account for more than 12 months (inclusive) and paying the housing provident fund in full and normally for more than 12 months (inclusive). loan.
2. The loan applicant is a retired employee who paid housing provident fund during his employment. If you meet one of the above conditions, you are eligible to apply for a "Housing Provident Fund Loan". Borrowing applicants who purchase policy housing are not subject to the Beijing Housing Provident Fund payment time limit. Borrowing applicants only need to meet the conditions of establishing a housing provident fund account and being in deposit status to apply for a housing provident fund loan. Beijing Housing Provident Fund Loan Process
2. Does Beijing’s Housing Provident Fund Loan review personal credit record? How many overdue credit cards...
Review! All loans will be reviewed, and the interest rate for provident fund loans is 30% off. If you don’t use provident fund loans, you can enjoy 30% off if you don’t have a bad record.
It is up to you to decide whether to use your provident fund or not, and it has nothing to do with your credit record. If you have a serious bad credit record, banks will not give you a loan whether you use provident fund or not. This does not make any difference whether you use provident fund or not.
It is said that some banks are not willing to provide provident fund loans, and it is indeed necessary to wait several months longer for provident fund loans than commercial loans.
You can apply to the bank to remove bad records
3. Will housing provident fund loans in Beijing review personal credit records? How many times will your credit card be overdue and you won't be able to get a provident fund loan? Is it okay to have bad records 24 months ago?
Beijing area: If you get a loan from the Fangzhuang Municipal Provident Fund, there is a special credit assessment center to do a credit assessment for you. It is currently free of charge. Generally refer to your work unit, working years, academic qualifications, professional titles, whether you have ever had a loan, etc. The credit record of the People's Bank of China will be used as a reference (must include credit card records). The credit rating of provident fund loans is currently only a reference and not a guideline. The standard for loan issuance, the credit rating from high to low is AAA, AA, A, BBB, BB, B, C. During the initial loan review stage, the provident fund window will ask you to fill in an authorization letter for credit evaluation, and the rating results will be directly entered into the provident fund loan system.