Review process of provident fund loan: consultation → loan application (borrower) → review (providing information) → signing loan contract and mortgage contract (bank) → contract notarization (notary office) → relevant insurance (insurance company) → real estate mortgage registration (real estate registration office) → loan issuance (receipt of mortgage certificate) → borrower repayment → mortgage property cancellation registration (all loans are paid off). Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans. Loan Introduction Provident Fund loan refers to individual housing provident fund loan, which is issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to pay mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their working life. According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient. The loan conditions are: the employees of the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc. Loan terms 1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans. 2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.
2. What is the approval process for housing provident fund loans?
Procedures for examination and approval of housing provident fund loan application:
1. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information:
(a) the applicant and spouse housing provident fund deposit certificate;
(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;
(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;
(four) the purchase of housing contracts, agreements and other valid documents;
(5) List of collateral and pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;
(VI) The Provident Fund Center requires a third-party guarantor to provide a guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract.
(seven) other information required by the provident fund center.
2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time.
3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.
4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.
5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.
3. What is the approval process for housing provident fund loans in Guangzhou?
Guangzhou provident fund loan approval process: It takes 18- 19 working days from the time when the lending bank applies for housing provident fund loan from the lending bank.
Among them: ① loan application (fill in the housing provident fund loan application form) is completed on the same day; (2) The bank shall conduct pre-loan review, and report to the municipal housing provident fund management center for review after approval, which shall be completed within 2 working days. (3) The municipal housing provident fund management center will review the loan and complete it within 1 working day. (4) After approval, the loan bank signs a loan contract with the borrower, which will be completed within 2 working days. ⑤ If the guarantee is selected, it shall be completed by the guarantee company within the counter-guarantee; If mortgage guarantee is selected, the borrower shall go through the mortgage insurance procedures and complete them within 7 working days; Where a pledge guarantee is selected, the bank shall go through the pledge formalities. ⑥ The loan from the loan bank will be completed within 2 working days. All landowners city housing authority approval materials, completed within 3 working days.
The above is the answer to your question, I hope it will help you.
4. How to operate the capital verification process of buying a house?
The first type: the buyer can go to the bank he often uses to print a running certificate. This running water can prove the buyer's spending power and various incomes. After handing this running water certificate to the corresponding developer, wait for the audit of various personnel of the developer. Only when the bank flow of the buyer meets certain requirements will the developer consider other conditions of the buyer, and only when all the qualifications of the buyer meet the requirements of the developer can the buyer buy a house.
Second, the buyer can print the deposit certificate at the bank where his deposit is located. If the amount on this certificate of deposit meets the developer's requirements for the buyer's assets, it can prove that the buyer has enough strength to buy a house.
The third type: documents that can prove the buyer's income in the buyer's company can be issued. If the company has a corresponding certification template, you only need to fill in the certification materials, and then find a legal person to sign and affix the official seal of the company. If you don't have a corresponding template, you can also write it yourself, but pay attention to make a clear list of your income in recent years, and then find a legal person to sign and affix the official seal.