申请公积金贷款需要客户满足以下条件：

　　1、客户的征信良好

　　申请公积金贷款需要客户的征信报告上面有不良贷款记录、频繁的查询记录以及多头贷款记录等等，如果有就会加深公积金中心的顾虑，会影响到最后的贷款结果。

　　2、公积金账户状态正常

　　客户的公积金账户也不能是被封存的状态，所以客户在打算申请公积金贷款以后，需要注意到工作的稳定性，不要随意离职导致公积金缴费中断。

　　3、公积金账户余额充足

　　If customers plan to apply for enough public housing fund, both the public housing fund contribution base and the public housing fund account balance should be higher. Generally, the public housing fund loan amount is 10 to 20 times the account balance, and customers can make a simple calculation.

　　4, Income is more than twice the monthly payment

　　To ensure that customers have sufficient repayment capacity, the monthly income of customers must be at least twice the monthly payment of the public housing fund. If the customer has outstanding external debts, this standard will be higher.

　　5, Continuous contributions for more than 12 months

　　Some regions also have requirements for the deposit time of customers’ public housing fund, requiring customers to have continuous contributions for 12 months before they can apply for a loan.

　　6, The house area does not exceed the limit

　　Some public housing fund centers have requirements for the area of the house purchased by customers, especially when buying the second house, the restrictions will be more obvioussports betting local and Just click to enter. Customers can find out in advance.

　　7, Age does not exceed the limit

　　Generally speaking, the longest loan period for public housing fund loans does not exceed 5 years after the borrower retires. The older the customer, the greater the difficulty in obtaining a loan.

　　8, No public housing fund loans under the name

　　Under normal circumstances, there should not be multiple public housing fund loans under the customer’s name. If the customer has other public housing fund loans that have not been settled, they cannot apply for another public housing fund loan.

　　9, The debt ratio is not high

　　Under normal circumstances, the lower the customer’s debt ratio, the smaller the debt pressure. The public housing fund center requires the customer’s debt ratio to be below 50%. If the debt ratio is too high, the public housing fund center will also directly refuse the customer’s loan application.

　　10, The number of loans has not exceeded the limit

　　The number of public housing fund loans is limited. Generally, the number of public housing fund loans should not exceed twice. Customers can consult the local public housing fund center to understand the specific situation.

　　11, The house cannot be a small property house
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　　Only commercial housing, affordable housing, and price-controlled commercial housing can be purchased with public housing fund loans. If customers plan to buy a small property house, they generally cannot apply for a public housing fund loan.

　　It can be seen that customers need to meet more conditions to apply for a public housing fund loan. Customers must consult in advance before formal loan application.

　　It belongs to the information industry. Blockchain is a decentralized digital ledger that records all transactions that have occurred and been recognized by the system. Each block is like a hard disk, saving all this information, and then encrypting it through cryptographic technology. The information saved cannot be tampered with.

　　It can be applied in different fields, as follows:

　　1, Financial Field

　　Blockchain has great potential application value in financial fields such as international remittances, letters of credit, equity registration, and stock exchanges. The application of blockchain technology in the financial industry can eliminate the third-party intermediary link, achieve direct point-to-point connection, and thus complete transactions and payments quickly while greatly reducing costs.

　　2, Internet of Things and Logistics Field

　　Blockchain can naturally integrate with the Internet of Things and logistics fields. Blockchain can reduce logistics costs, trace the production and transportation process of goods, and improve the efficiency of supply chain management. This field is considered to be a very promising application direction of blockchain.

　　3. Public service field

　　Blockchain is closely related to the production and life of the people in fields such as public management, energy, transportation, and so on, but the centralized characteristics of these fields also bring some problems that can be transformed using blockchain.

　　4. Digital copyright field

　　Through blockchain technology, works can be authenticated, proving the existence of texts, videos, audio, and other works, ensuring the authenticity and uniqueness of ownership. After the works are authenticated on the blockchain, subsequent transactions will be recorded in real-time, realizing the full lifecycle management of digital copyrights, and can also serve as technical support in judicial evidence collection.
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　　5. Insurance field

　　In the field of insurance claims, insurance institutions are responsible for fund collection, investment, and claims, which often have high management and operation costs. Through the application of smart contracts, there is no need for the insured to apply or for the insurance company to approve, as long as the claim conditions are triggered, the insurance policy can be automatically settled.

　　6. Public welfare field

　　The data stored on the blockchain is highly reliable and cannot be tampered with, which is naturally suitable for use in social public welfare scenarios. Relevant information in the public welfare process, such as donation projects, fundraising details, fund flows, and feedback from the beneficiaries, can all be stored on the blockchain and publicly disclosed under certain conditions, facilitating social supervision.

　　Extended information
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　　Characteristics and development plan of blockchain

　　I. Characteristics

　　1. The biggest feature of blockchain technology is that it creates an integrity system in the digital society, in which not only data transmission is convenient, but it is also very difficult to forge.

　　2. Another characteristic of blockchain technology is that it can achieve timely data sharing and non-tampering. In the field of government services, by using the blockchain data sharing model, it is possible to achieve cross-departmental and cross-regional joint maintenance and utilization of government data, promote business collaboration, and facilitate the public in handling affairs.

　　II. Development Plan

　　Major countries around the world are accelerating the layout of blockchain technology development, and China has a good foundation in the blockchain field.

　　The ’13th Five-Year Plan’ for National Informatization Development issued by the State Council includes blockchain technology. The ’13th Five-Year Plan for Information Technology Development in China’s Financial Industry’ issued by the People’s Bank of China, and the ‘White Paper on the Development of Blockchain Technology and Applications in China’ initiated by the Ministry of Industry and Information Technology, all explicitly propose to strengthen the basic research and cutting-edge layout of blockchain technology, and put forward a standardized roadmap for the development of China’s blockchain technology.

　　Reference source:百度百科—Blockchain

　　Reference source: National Supervisory Commission of the People’s Republic of China – What is Blockchain?

　　What is VeChain (Vechain)?

　　VeChain platform is a global ledger-type information interaction and collaboration cloud platform based on blockchain technology. By connecting with the API and application layer, it digitalizes people, events, or objects in the real world, realizing the interconnection of information. Through smart contracts based on actual industry applications, it achieves collaboration and value transfer in different scenarios, thus mapping the real commercial world onto the blockchain. Through cross-platform, cross-enterprise, cross-industry, and cross-border collaboration, it creates a new business model and provides ‘trust services’ for collaborative participants.

　　The source code base of VeChain comes from Ethereum, and in order to facilitate commercial applications, a large number of improvements have been made in dynamic protocols and smart contracts, aiming to construct a trusted distributed business ecosystem that can self-circulate and expand: information is relatively transparent and symmetrical; the friction of trust between different parties is minimized; different parties contribute their own strengths to the business ecosystem, thus obtaining relatively fair remuneration; and achieving the rapid circulation of value and expanding the VeChain business closed loop.

　　II. Functions of the VeChain (Vechain) platform token VEN:

　　The token used in VeChain (VeChain) is VEN, which is the bloodstream of the VeChain platform. All parties involved can obtain corresponding products and services by paying VEN:

　　1. End-users and ecosystem enterprises, as investors, initially pay ETH to obtain VeChain Tokens (VEN), with ETH handed over to the VeChain Foundation for technical development of the platform, promotion of business application cooperation, support for blockchain services, and more.

　　2. The VeChain Foundation collects VEN from the developers and service providers of intelligent contracts, paying for the GAS required for the operation of intelligent contracts to ensure the operation of various commercial intelligent contracts; 75% to 99% of the collected VEN income will be used as node rewards, paid to node providers, while the remaining portion is used for the subsequent daily operations, business promotion, and technological development of the VeChain Foundation.

　　3. Intelligent contract service providers pay VEN to obtain GAS, providing intelligent contract services for the enterprises they serve as BaaS (Blockchain as a Service), and charge VEN to application development providers according to their respective business rules and value-added contributions to provide intelligent contract services.

　　4. Application development providers develop and process further based on the intelligent contract services obtained, providing application products to their traditional corporate clients or end-users, and charging VEN as corporate income.

　　5. End-users can pay VEN to obtain corporate products and services.

　　III. Distribution of VEN

　　The ICO of VEN started at 20:00 on August 18, 2017, and ended on August 31, 2017, with an expected public sale of 410 million VeChain Tokens (VEN). Participants in the ICO could contribute by purchasing ETH, with a minimum transaction amount of 0.01 ETH, and these would be issued as VEN at a 1:1 ratio on September 20, 2017. Those who participated in the ICO before 20:00 on August 21, 2017, were eligible for an additional 15% VEN reward, meaning 1 ETH = 4025 VEN; for those who participated after this time until the end of the crowdfunding, the exchange rate was 1 ETH = 3500 VEN.