First of all, we should know that the premise of the loan is that individual employees with urban hukou and their units must pay the housing provident fund 12 months or more continuously.

The first step, the loan applicant needs to submit a written application for housing provident fund loan to the bank, and truthfully fill in the above contents of the Housing Provident Fund Loan Application Form;

Step 2, submit the relevant materials needed for the loan: the identity certificate and marriage certificate of the applicant and spouse, and the proof that the applicant and spouse's housing provident fund has been paid on time; Proof of economic income of the applicant and spouse; Contracts, agreements and other relevant certificates of the purchased merged houses; Legal certificate and value certificate as loan collateral;

The third step, the information is complete and meets the requirements, and the bank immediately accepts the audit and submits it to the provident fund center in time;

The fourth step, after receiving the information provided by the price increase applicant of Minlian Bank, the provident fund center will; Immediately review, notify the bank immediately after the review is passed, and issue the Notice of Collateral Review and Evaluation;

Fifth, after the approval of the provident fund center, the bank will call the applicant to go to the bank to handle the loan procedures and sign the loan contract or agreement, and then the bank will send the loan contract or agreement to the provident fund center for approval again;

Step 6, after the approval of the provident fund center, the provident fund center signs an entrusted loan agreement with the entrusted bank;

Step 7: According to the entrusted loan agreement, the entrusted Yinqiao Housing Sunshine Bank will handle the loan procedures and transfer the loan after the applicants sign the Mortgage Contract for Housing Provident Fund Entrusted Loan, Pledge Contract for Housing Provident Fund Entrusted Loan and Guarantee Contract for Housing Provident Fund Entrusted Loan respectively;

The eighth step is to go through the mortgage guarantee procedures, and generally there will be a guarantee company to handle it on its behalf.

How to borrow personal provident fund?

1. Lenders need to submit personal provident fund loan applications to the nearby provident fund management center;

2 provident fund management center in five working days after accepting the loan application, the application results are given;

3, provident fund management center in the audit application is completed, employees and institutions signed a mortgage contract;

4 employees in the provident fund management center for mortgage loans, real estate rights registration certificate after the provident fund center for loan review;

5. After the loan is approved, the provident fund management center will issue the loan. After all the formalities are verified, the loan will be issued according to the provisions of the capital contract.

The above is the personal provident fund loan process.

What are the loan targets of individual housing provident fund?

1. Lenders who purchase real estate developed by real estate enterprises;

2. Lenders who purchase saleable public housing in accordance with state regulations;

3. Lenders who purchase eligible second-hand houses in the trading market;

4. Lenders who need to build, overhaul or renovate their houses;

5. Other housing loan projects approved by the national government.

How to borrow personal provident fund mortgage loan?

Materials required for housing provident fund loans: the household registration book of the borrower and his spouse, and the resident identity card of the borrower and his spouse; Proof of the marital status of the borrower; Proof of down payment for house purchase; Credit status report of the borrower and his spouse printed by the bank; Housing sales contracts or agreements that comply with the law. The lender prepares the relevant materials, fills in the loan application in the bank and submits the materials; After receiving the application, the loan bank shall confirm and review the information; After the audit, the loan bank contacts the lender and signs the relevant contract; For bank loans, the lender shall fulfill the repayment obligation.

1. Personal housing provident fund loan is an entrusted loan issued by policy housing provident fund, which refers to the loan that employees who purchase and build self-occupied housing (including second-hand housing) in this city apply to the fund management center with a legal person with guarantee ability as collateral and regularly pay the housing provident fund unit to the fund management center on time. Loans can be issued by banks entrusted by the fund management center. In order to further promote the commercialization and socialization of housing, the main target of housing provident fund distribution should be changed from housing development companies to ordinary residents. Personal housing provident fund loan is an entrusted loan issued by policy housing provident fund. It is a loan that employees who deposit housing provident fund units in the fund management center on time in a specified period apply to the fund management center when they buy or build self-occupied housing (including second-hand housing) in this city with their own property houses as collateral and legal persons with guarantee ability. Loans can be issued by banks entrusted by the fund management center. In order to further promote the commercialization and socialization of housing, the main target of housing provident fund distribution should be changed from housing development companies to ordinary residents.

Two. The Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China jointly issued a notice on adjusting the minimum down payment ratio of individual housing loans of housing provident fund on August 3 1 2065438. In order to further improve the individual housing loan policy of housing provident fund and support the reasonable housing demand of paid employees, the minimum down payment ratio of 1 set of housing residents who have settled the corresponding housing loans to apply for housing provident fund entrusted loans again to improve their living conditions has been reduced from 30% to 20%. Beijing, Shanghai, Guangzhou and Shenzhen can independently decide the minimum down payment ratio for applying for a housing provident fund entrusted loan to buy a second house on the basis of national unified policies and local conditions. This notice shall be implemented as of September, 2065438 1 day.

3. The loan period of individual housing provident fund is 1-30 years (including the loan period for purchasing second-hand houses is/kloc-0 1- 10/0 years), and the longest loan period shall not exceed the borrower's legal retirement age; On the basis of considering their repayment ability, employees approaching retirement age can appropriately relax the loan period 1-3 years. The interest rate of individual housing provident fund loans shall be implemented by the Housing System Reform Commission in accordance with the relevant provisions of the People's Bank of China. If the national legal interest rate is adjusted during the loan period, the loan interest rate will be adjusted accordingly. Loans already issued will not be adjusted in the current year, and the adjustment time will be next year 1 month 1 day. If the loan term is within one year (including one year), the loan interest rate will not be adjusted.

Four, because the interest rate of provident fund loans is one percentage point lower than that of commercial loans, it is necessary to set a longer term of provident fund loans and a shorter term of commercial loans in portfolio loans. In this way, under the same repayment pressure (that is, under the premise of equal repayment amount), more commercial loans with higher interest rates can be repaid, and the expenditure of interest expenses can be reduced. At present, according to the relevant policies of provident fund, the longest loan period of provident fund loans is 30 years if the purchased house is a first-hand house and a second-hand house completed within 5 years, and 15 years if the purchased house is a second-hand house, and it cannot exceed 5 years after the borrower's statutory retirement or retirement time, that is, male borrowers can borrow to 65 years old and female borrowers can borrow to 60 years old. Because a family (husband and wife) can only borrow a provident fund loan. Therefore, if the age gap between husband and wife is not big, then the husband is the lender and applies for a longer loan period; If there is a big age difference between husband and wife, and the younger one is the lender, you can apply for a provident fund loan with a longer term.

How to borrow provident fund mortgage loan? Here comes the whole strategy.

Provident fund in people's daily life, although not very eye-catching, did not play a big role, but in some loans, it can give users great help. Especially when applying for housing loans, the interest rate of provident fund loans is the lowest. How to borrow provident fund mortgage loan? The whole raiders are coming!

How to borrow provident fund mortgage loan?

First, the borrower needs to go to the housing provident fund center to submit a loan application, then prepare the purchase materials and fill out the loan application form. After that, the people in the provident fund management center will ask the borrower, mainly about personal information, economic situation, provident fund deposit and so on.

After the audit is completed, if the borrower meets the conditions of provident fund mortgage loan, he shall sign the contract and mortgage loan form. After that, the center manager will conduct an audit. After the approval, the borrower also needs to go to the relevant local institutions for filing. After the filing is completed, if there is no problem with the financial institution, the loan will be issued.

Basic application conditions for provident fund mortgage loan: employees who have paid in full and continuously for more than six months every month and have full civil capacity; If the borrower and spouse have no record of non-performing loans (or credit cards) for more than five periods in the last two years (inclusive), the loan (or credit card) is not overdue at present; The borrower and spouse's latest provident fund loan is overdue for more than three consecutive times, or accumulated for more than six times.

Term of provident fund mortgage loan: the shortest term of the loan is 1 year and the longest term is 30 years. Not exceeding the statutory retirement age of both husband and wife, the male is 60 years old and the female is 55 years old. For those with good reputation, stable income, good health and repayment ability, it can be extended by 1 to 5 years.

The above is the sharing of "how to borrow provident fund mortgage loans", hoping to help everyone!

How to borrow housing provident fund?

Provident fund loan processing flow:

1. Written application

Lenders applying for housing provident fund loans must submit a written application to the bank, fill in the application form for housing provident fund loans, and truthfully provide the following information:

(a) the applicant and his spouse's housing provident fund deposit certificate;

(2) Identity documents of the applicant and his spouse (referring to valid residence documents such as resident identity cards and household registration books) and proof of marital status;

(three) the family has a stable economic income and other proof of creditor's rights and debts that affect the repayment ability;

(4) Effective documents such as purchase contracts and agreements;

(5) List of collateral used for guarantee, certificate of ownership, certificate of consent of the disposing party to the collateral, and certificate of collateral evaluation issued by relevant departments;

(six) other materials required by the provident fund center.

2. Bank acceptance review

Banks will promptly accept and review loan applications with complete information and submit them to the provident fund center in time.

3. Lending approval

Provident fund center is responsible for loan approval, and will promptly notify the bank of the approval results.

4. Loan procedures

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 husband and wife sign loan contracts and related contracts or agreements with the bank, and send the loan contracts and other procedures to the provident fund center for review. For funds, the entrusted bank will issue loans in full and on time according to the loan contract.

V mortgage registration procedures

If the house mortgage is used as a guarantee, the borrower shall go through the formalities of real estate mortgage registration at the real estate management department where the house is located. The mortgage contract or agreement shall be signed by both husband and wife. Or the joint center.