Personal housing provident fund loan is a low-interest housing loan provided by the state for employees. Refers to the borrower who pays the housing provident fund in full and on time. When purchasing, constructing or overhauling the self-occupied housing, he applies to the housing provident fund management center for a housing loan with the housing provident fund as the source of funds, or a third party provides a guarantee for the loan and assumes joint and several liability for repaying the principal and interest.

Personal customer provident fund loan operation process is as follows:

(1) application. The loan applicant shall submit a written loan application and relevant materials, which shall be accepted by the Construction Bank and submitted to the housing provident fund management department or directly applied to the housing provident fund management department.

(2) sign a contract. After the loan application is approved by the housing provident fund management department, the Construction Bank will sign a loan contract and a guarantee contract with the borrower. The borrower who chooses the entrusted deduction method must open a dragon card or savings account in China Construction Bank.

③ Mortgage registration and insurance. The Construction Bank shall, in accordance with the requirements of the loan contract and the housing provident fund management department, handle the procedures of housing mortgage registration, contract notarization and housing insurance.

(4) expenditure. According to the loan contract, CCB will open a loan account for the borrower and transfer the loan funds to the seller's special account for house purchase or other designated accounts.

⑤ Repay on schedule. According to the repayment plan and repayment method agreed in the loan contract, the borrower entrusts the Construction Bank to deduct money by stages or go to the counter of the Construction Bank to repay the principal and interest of the provident fund loan on schedule.

⑥ Contract change. During the execution of the contract, the borrower may apply to the Construction Bank or the housing fund management department for changing the loan term, repayment method, prepayment, etc. After the approval, the Construction Bank will handle the contract modification procedures for the borrower.

All landowners loan settlement. The Construction Bank issues the Loan Settlement Certificate for the borrower, and the borrower gets back the mortgage registration certificate and other documents, and goes through the mortgage registration cancellation procedures at the original mortgage registration department.

(The above answers were published on 20 13-07-04. Please refer to the actual situation for the current purchase policy. )

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