1. When applying for housing provident fund loan, the lender needs to submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information: (1) the deposit certificate of the applicant and spouse's housing provident fund; (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, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments; (six) 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.
Second, how to apply for housing provident fund loans?
How to apply for housing provident fund loans The target of housing provident fund implementation is all administrative organs, enterprises and institutions, including employees of foreign-invested enterprises, towns and private enterprises. Dedicated to the purchase, construction and overhaul of housing for individual employees. When the personal housing loan applied for is insufficient to pay the purchase price, the insufficient part can apply for a commercial loan from the bank. The application for provident fund mortgage loan is accepted by the municipal housing fund management center and the designated undertaking bank. The application condition is that the employees who have participated in the payment of housing provident fund and paid it continuously have the borrower's fixed income certificate issued by their unit. Each household can only enjoy this loan once. The housing purchased by the borrower must be poverty-stricken housing, affordable housing, ordinary housing with pre-sale permit of commercial housing and secondary market housing. There is a house purchase contract or agreement that meets the legal requirements (a) there are self-owned funds that account for more than 30% of the funds needed for the purchase of self-occupied houses, which are used as the down payment (for the purchase of first-hand houses); (b) the house to be purchased is located in Fuzhou, and the down payment (not less than 40% of the appraised price) has been deposited in the designated bank account (for the purchase of second-hand houses). 7. The maximum loan amount, term and interest rate for each household with permanent residence or valid residence status in this city can be used. The longest loan period is 30 years, and the loan period plus the borrower's age cannot exceed the statutory retirement age. The loan term is 4. 14% for less than 5 years and 4.59% for more than 5 years. Repay the loan principal and interest in equal amount every month. Repayment method: repay the principal and interest of provident fund loan in equal amount every month. The borrower shall repay the principal and interest of the loan at the loan bank every month according to the provisions of the loan contract, or the entrusting unit shall withhold it from the salary every month and transfer it to the loan undertaking bank. After the loan principal and interest are paid off, the mortgage registration cancellation formalities shall be handled. Handling flow a. The borrower who buys a first-hand house goes to Fuzhou Housing Provident Fund Management Center to collect and fill in the application form-the provident fund center reviews the loan qualification (5 working days)-the undertaking bank reviews the loan safety (20 working days)-the undertaking bank signs the loan contract and mortgage contract with the borrower and the sales unit respectively-the borrower handles mortgage registration and real estate insurance-undertakes bank loan-repayment by the purchaser-and settles the account. B. The applicant who buys a second-hand house signs a real estate sales contract with the seller. And apply to the intermediary company-the intermediary company collects all the information and cooperates with the applicant to go to the bank to go through the formalities-the fund center examines the loan qualification-the undertaking bank examines the loan safety, and issues a loan commitment letter to the buyer and the seller and the intermediary company-the appraisal agency confirms that real estate assessment-the borrower handles the loan, signs the mortgage contract and handles the real estate insurance-and the intermediary company is responsible for handling the real estate transfer and mortgage registration procedures. And give other warrants to the bank for custody-to undertake bank loans-to repay property buyers-the materials needed for the applicant to settle accounts. At the time of application, the application form must be certified and sealed by the employer and submitted: (1) the original and photocopy of the borrower's ID card and household registration book; (2) Legal pre-sale contract or sales contract of commercial housing and its copy; (3) Proof of self-financing of the purchased house (original payment receipt shall be provided for the part that has been prepaid to the sales unit); (4) (5) When employees apply, they must pledge their own, * * own or third property, or pledge securities. Note: Married borrowers are required to provide their spouse's ID card, household registration book, original and photocopy of marriage certificate, and unmarried borrowers are required to provide unmarried certificates. If the applicant purchases a second-hand house, it is also required to provide: (1) the applicant's family income certificate or tax payment certificate; (2) the appraisal report of the appraisal institution recognized by the bank on the appraisal of the collateral; Transfer and withdrawal of provident fund; 1. When an employee changes his work unit, the principal and interest of his housing provident fund will be transferred to the newly transferred employee provident fund account; 2 purchase, construction, renovation and overhaul of owner-occupied housing; 3. When employees retire or move out of the city. 4. If an employee dies during his/her service, his/her successor or donee may go through the extraction procedures in accordance with the relevant provisions of the Inheritance Law. Employees can withdraw the storage balance in the housing provident fund account with the approval of the unit if they meet the relevant conditions. The step of withdrawing housing provident fund is to withdraw the approval form and payment voucher from the bank-to the municipal housing fund management center for approval-to withdraw housing provident fund from the bank.
3. How do I apply for a provident fund loan?
If you apply for provident fund loans through China Merchants Bank, due to different policies in different cities, please contact the personal loan department of local outlets directly to confirm whether there are provident fund loans and related business regulations (such as application process, amount, term, etc.) in your area.
4. How to recharge the provident fund account?
For the housing provident fund, it is impossible to recharge.
After all, individual employees can't pay the provident fund, so they must pay it together with the unit, which is generally deducted directly from the salary. If employees leave their jobs, the provident fund will generally be paid off.
Of course, because under normal circumstances, the provident fund will be distributed every month, so if you feel that the balance in the provident fund account is not enough, wait a few months to see, and the balance in the provident fund account will naturally increase.
When the balance of the provident fund account is sufficient and the continuous deposit time meets the requirements, customers can also apply for provident fund loans (generally, employees are required to continuously deposit housing provident fund for more than 6 months). After handling the provident fund loan, you can also use the balance of the provident fund account to repay the provident fund loan, and use the provident fund to offset the loan.