HI, EVERYBODY. LET'S TALK ABOUT THE PRGF TODAY. YOU MIGHT CONSIDER USING THE PROVIDENT FUND LOAN TO SAVE INTEREST. SO THE QUESTION IS, DOES THE PROVIDENT FUND LOAN NEED TO LOOK AT THE LETTER REPORT? I'LL EXPLAIN IT TO YOU IN DETAIL. THE EXPERT SAID, FIRST OF ALL, THAT WHEN YOU APPLY FOR A PROVIDENT FUND LOAN, THE PROVIDENT FUND CENTER DOES LOOK AT YOUR AND YOUR SPOUSE'S REPORT. A STEP BACK, THEY NEED TO ASSESS WHETHER YOU HAVE THE CAPACITY TO REIMBURSE PRINCIPAL AND INTEREST AND WHETHER THERE HAVE BEEN ANY DELAYS. SECOND, IF YOU HAVE ANOTHER OUTSTANDING LOAN, THE PROVIDENT FUND CENTRE CALCULATES YOUR TOTAL LIABILITY TO SEE IF THE MONTHLY LOAN IS MORE THAN 50% OF THE MONTHLY INCOME OF THE FAMILY. THIS RATIO IS AN APPROXIMATE ONE, AND IT MAY VARY DEPENDING ON WHERE YOU ARE LOCATED. IF YOU ARE OVER-INDEBTED, APPLYING FOR A PROVIDENT FUND LOAN MAY BE REQUIRED TO REPAY OTHER LOANS FIRST. IN THIS CASE, IF YOUR TOTAL LIABILITY PLUS THE MONTHLY PROVISION OF THE PROVIDENT FUND LOAN EXCEEDS YOUR ABILITY TO REPAY, YOU MAY NEED TO SUBMIT SOME RELEVANT DOCUMENTATION. FOR EXAMPLE, BANK FLOWS, TAX CLEARANCE CERTIFICATES, BANK STATEMENTS OR PUBLIC DEBT CERTIFICATES CAN PROVE YOUR ABILITY TO REPAY THE EXCESS LOAN. IN ADDITION, THE APPLICATION FOR A PROVIDENT FUND LOAN REQUIRES, IN ADDITION TO A LETTER OF REQUEST REPORT, A NUMBER OF OTHER DOCUMENTS: PROOF OF THE PURCHASE OF THE HOUSE, A COPY OF THE LOANEE ' S IDENTITY CARD, A COPY OF THE PURCHASE CONTRACT AND A DOWN PAYMENT INVOICE, ETC. IN CONCLUSION, I WOULD LIKE TO STRESS THAT MAINTAINING GOOD PERSONAL CREDIT IS OF PARAMOUNT IMPORTANCE TO EACH AND EVERY ONE OF US, WHETHER OR NOT THERE IS A NEED FOR A PROVIDENT FUND LOAN。