Once the loan term is determined, the borrower shall not apply for changing the loan term by himself during the loan period. If prepayment occurs, the borrower chooses to shorten the repayment period, and the system will automatically generate the number of remaining repayment periods according to the repayment amount. Please carefully consider shortening the business with loans. After handling, the original loan term cannot be restored or extended.

Loan steps:

65438+

2. Employees who put forward loan demand and are ready to apply for second-hand housing loans should submit the borrower's salary income and housing provident fund deposit certificate and the original and photocopy of the housing ownership certificate before the transaction, and the business personnel will review and confirm whether the employee's housing provident fund deposit is normal and whether the employee's salary income certificate is true and standardized;

3. Choose the loan guarantee method;

4. Deal with both parties by signing the house transfer contract, handling the self-raised funds delivery, the buyers and sellers handling the house transaction procedures, receiving the house evaluation report, signing the house transfer contract, handling the self-raised funds delivery, the buyers and sellers handling the house transaction procedures, and self-raised funds delivery;

5. Fill in the housing provident fund loan application form and submit all loan application materials as required;

6. Review, approval and review;

7, signing a loan contract and other procedures.

legal ground

Regulations on the administration of housing provident fund

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.