1, the borrower repays normally for more than one year, and has a good reputation, and there is no overdue repayment at the time of application;
2. When applying for shortening the loan term, the borrower should have no bad repayment record and agree that the mortgage term of the collateral will remain unchanged;
3. When applying for extending the loan term, the borrower shall explain the objective reasons that lead to the failure to repay the loan according to the contract term, and agree to make corresponding changes to the mortgage term of the collateral.
Procedures for handling housing provident fund loans:
1. The applicant submits relevant loan information;
2. Access to loan outlets (3 working days);
3. To undertake the examination and approval of loan outlets (3 working days);
4, center qualification examination and approval (3 working days);
5. Sign a loan contract (2 working days after qualification approval);
6. The loan contract shall be sealed by the loan bank (3 working days);
7. Handling ownership transfer and mortgage;
8. To obtain the certificate of real estate ownership and the certificate of real estate registration, the applicant shall submit the loan information;
9. The loan information submitted by the undertaking outlets will be entered into the system for approval (3 working days);
10, central loan approval (3 working days);
1 1, housing provident fund loan (1 working day).
To sum up, 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.
Legal basis:
Article 12 of the Regulations on the Management of Housing Provident Fund
The Housing Provident Fund Management Committee shall, in accordance with the relevant provisions of the People's Bank of China, designate a commercial bank entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted bank); The housing provident fund management center shall entrust the entrusted bank to handle financial services such as housing provident fund loans and settlement, as well as the establishment, deposit and return procedures of housing provident fund accounts.