Application conditions: To apply for individual housing provident fund loans, employees who purchase self-occupied housing must pay the housing provident fund in full and continuously in this city for more than 1 year (including 1 year), have full civil capacity to pay the housing provident fund, and meet the following conditions: 1, and have permanent residence in this city or other valid residence certificates in this city. 2. Have a stable economic income, fulfill the obligation to pay the housing provident fund, have no bad credit record, and have the ability to repay the loan principal and interest. 3. The purchased property must have a contract or agreement for the purchase of owner-occupied housing as stipulated by laws and regulations, and can be used for legal and effective mortgage registration. 4. The down payment for house purchase shall not be less than the specified proportion. The down payment ratio shall be adjusted by the Municipal Housing Provident Fund Management Center according to the down payment ratio announced by the People's Bank of China. 5. Agree to handle the guarantee formalities in accordance with the guarantee method stipulated by the Municipal Housing Provident Fund Management Center. 6, laws and regulations and other conditions stipulated by the management center. Application materials 1, legal and valid identity documents (including the owner and spouse of the mortgaged property * * *; 2. A valid certificate of housing provident fund deposit. Deposit housing provident fund passbook, should first print payment details in the bank; 3, after the city real estate management department transaction verification of the purchase of owner-occupied housing contract and related information; 4. A valid certificate for the down payment of housing purchase; 5, other information required by the city housing provident fund management center. Workflow The borrower holds the certification materials for applying for individual housing provident fund loans, fills in the application form, and applies for individual housing provident fund loans to the municipal housing provident fund management center. City housing provident fund management center shall make a decision on whether to grant individual housing provident fund loans within 10 days from the date of accepting the application, and notify the borrower; Where individual housing provident fund loans are issued, the borrower shall apply to the entrusted bank for individual housing provident fund loans with the documents audited by the Municipal Housing Provident Fund Management Center.

Second, how to handle the housing provident fund loan in Hangzhou?

Take your house purchase contract and ID card to your housing provident fund management center to ask for an application form, return to the unit to fill in the application form stamped with the official seal, then go to the provident fund management center for approval and seal, and then go through the relevant formalities at the designated bank. The process of buying a house with a loan from Hangzhou Provident Fund is as follows: 1. Employees who apply for loans apply for loans from the entrusted bank according to the different types of houses they buy. Two. Acceptance of loans (1) The provident fund center or the entrusted bank conducts a preliminary examination of the authenticity and compliance of the applicant's loan conditions, application materials, application amount and other contents; (2) If the loan is approved in the first instance, the entrusting bank shall invite the applicant for an interview to further understand the loan purpose, repayment willingness and repayment ability of the applicant, and establish interview records; (3) If the preliminary examination and interview meet the requirements, the entrusted bank will accept the loan application. Three. Loan approval (1) If the employee loan application is accepted by the entrusted loan bank, the entrusted loan bank shall submit it to the provident fund center for approval in time. (two) the provident fund center shall complete the loan approval within 7 working days from the date of accepting the loan or receiving the materials submitted by the entrusted bank. Provident fund portfolio loans need to be approved by the loan bank of the Economic Commission as commercial loans. (3) If the examination and approval cannot be completed within 7 working days due to special circumstances, it may be extended by 5 working days with the approval of the person in charge of the provident fund center, and the provident fund center or the entrusted bank shall inform the applicant of the reasons for the extension. (four) if the employee loan application is not approved, the provident fund center or the loan bank shall inform the applicant of the reasons. Four, after the signing of the employee loan application is approved, the entrusted bank shall notify the borrower to go through the signing procedures. The Borrower, his spouse, the property owner, the guarantor, the entrusted bank and the provident fund center * * signed the Hangzhou Provident Fund Personal Housing Guarantee Loan Contract (hereinafter referred to as the Guarantee Loan Contract). The borrower also signed a loan receipt. Five, the loan review center to review the loan after receiving the mortgage certificate. The loan conditions are as follows: (1) Pre-sale commercial housing (affordable housing) loan, and the loan conditions are as follows: the advance notice registration certificate has been completed and received, and the property has been declared. (2) If the existing commercial housing (affordable housing) is loaned, the loan conditions are: the property ownership certificate has been completed and obtained, and the property to which it belongs has been mortgaged. (3) In the case of other loans such as second-hand houses and housing reform houses, the loan conditions are: the house ownership certificate is complete and collected. Six, the loan issuing bank shall, in accordance with the loan conditions agreed in the secured loan contract, transfer the loan funds according to the account agreed in the contract after examination. (a) to apply for commercial housing loans (including affordable housing), the loan funds directly into the designated commercial housing pre-sale funds special supervision account. (two) to apply for a second-hand housing loan, and transfer the loan funds to the supervision and payment account of the real estate agency in the entrusted bank in the name of the borrower. (3) If you apply for housing reform loan or resettlement housing loan, the loan funds will be transferred to the borrower's bank deposit account for reference only, and I hope it will help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!

How to borrow the Hangzhou provident fund loan?

I. Conditions of Hangzhou Provident Fund Loan

1. According to the regulations, the loan has been continuously deposited for more than six months (inclusive) when applying for the loan.

2. The purchase of a house is in line with the purchase contract and related certification materials stipulated by law, and it is guaranteed.

3. The purchase of commercial housing and the sale of real estate have been approved by the center, and they are supported when signing the contract (payment is agreed as mortgage loan).

4. When buying a second-hand house, Fang Xin should put it on record, and apply for a loan after signing the contract (the payment method is agreed as mortgage loan) and before going through the transfer formalities of real estate transactions.

5, the purchase of public housing, should be signed in the contract, pay all the house price, can handle the real estate transaction transfer procedures, apply for a loan.

6. During the resettlement, you should clear the site first, then transfer the real estate transaction and apply for a loan.

In addition, if there are two or more houses under Bian Xiao's name, or the provident fund loan is not settled, the provident fund loan will not be issued.

Materials needed for gold loan

Fill in the "Hangzhou housing provident fund individual applicants and their spouses, housing property owners * * * ID card, household registration book, marriage certificate and the corresponding proof of purchase and other materials:

Affordable housing), after signing the contract (payment method is mortgage loan) and paying the down payment, apply for a loan, and provide the house purchase contract, down payment receipt (invoice) and payment voucher;

2. To purchase a second-hand house, after signing a contract (the payment method is mortgage loan) and paying the down payment, and before going through the formalities of real estate transaction transfer, apply for a loan, and provide a payment list of the house purchase price or cash, an agency contract of the transferor's house, and a fund supervision payment agreement;

3, the purchase of public housing, should be in the signing of the contract, housing all formalities, apply for a loan, provide public housing sales agreement, price approval form, Fangjiekuan warehousing supervision certificate, can be sold.

4, demolition and resettlement, should apply for a loan after signing the contract and paying the total purchase price, provide housing property rights exchange agreement, demolition and resettlement agreement or supplementary agreement, demolition and resettlement housing purchase invoice, demolition and resettlement unit housing ownership certificate (points

4. Can the remaining part of Hangzhou Provident Fund be shortened after repaying the loan in advance?

First, after the provident fund loan is repaid in advance, if the repayment period can be shortened, it can be negotiated with the loan bank, and the agreement of prepayment will be clearly stipulated in the signed loan contract.

2. Early repayment refers to the behavior of the borrower to repay the loan before the repayment period. In some cases, prepayment is beneficial to the borrower and unfavorable to the lender, so whether prepayment is allowed and the conditions for prepayment should be clearly stipulated.

3. Prepayment includes three situations: full prepayment, partial prepayment with unchanged loan term and partial prepayment with shortened loan term.