Sure, but under certain conditions. 1. What is a provident fund loan? 2. Provident fund loans are paid into housing provident fund according to regulations, and the term is different. Some places stipulate 12 to buy or build houses, or to rebuild or overhaul with provident fund loans. 3. The loan conditions are as follows: (For details, please consult the local provident fund management department for different policies) (1) The employee of the unit has signed a 1 year labor contract for three years); (2) Normal continuous monthly housing provident fund deposit for more than a certain period of time; (3) Not exceeding the statutory retirement age; (4) The borrower has a stable economic income and the ability to repay the principal and interest; (5) registration and insurance; (6) Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; (7) At the same time, submit the bank's requirements or house pre-sale contract, real estate license, land use certificate, provident fund deposit certificate, etc. Local governments have their own special regulations on down payment and assets. Second, the specific application) 1. Submission of materials When the borrower applies for provident fund loan in the management department where the provident fund is deposited, he chooses the guarantee center to submit all the materials required for personal loan application, including personal and spouse ID cards, proof of down payment at the place where the household registration is located, purchase contract, proof of housing provident fund deposit, etc. 2. Notice of Audit After the loan application is approved in the first instance, the management department will issue the Notice of Audit of Guarantee Application, print the loan contract and other relevant legal documents, and submit all personal loan information to the guarantee center. 3. Approval of guarantee. If the borrower meets the guarantee conditions, the guarantee center will issue the Opinions on Approval of Guarantee Application; If the borrower entrusts an intermediary agency to handle the provident fund loan, the intermediary agency shall handle the guarantee application procedures and collect the guarantee service fee. 4. The paying borrower shall pay the guarantee service fee according to the Approved Opinions on Guarantee Application. The guarantee center shall issue an invoice for the guarantee service fee, and affix the official seal of the guarantee center to the approved legal documents such as loan contract and mortgage (counter-guarantee). 5 materials to the audited personal loan application materials (including the sealed contract), from the guarantee center to the housing provident fund management department; If an intermediary agency is entrusted, the intermediary agency shall be responsible for the transmission of the above information. 6. Sign the contract and sign the housing accumulation fund on the loan contract, mortgage (counter-guarantee) contract and other relevant legal documents. Note: Only people are eligible to apply for housing provident fund loans, and employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.
2. Can Baidu Encyclopedia individuals apply for provident fund loans?
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3. Can individuals apply for housing provident fund loans?
Individuals can apply for housing provident fund loans, but they need to meet the housing provident fund loan conditions: 1, and the housing provident fund has been continuously paid for at least 6 months before applying for loans; 2. It has a relatively stable economic income and the ability to repay loans, and there is no large amount of outstanding debts; 3 provident fund loan period shall not exceed 30 years. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
4. How to register the housing provident fund account?
Individuals may not apply for registration of provident fund accounts.
The establishment of the provident fund account needs to be handled by the unit. According to the relevant regulations, employees who are established or newly hired by the unit shall go through the formalities for establishing employee accounts within 20 days from the date of deposit registration.
Provident fund deposit consists of two parts: employee individual provident fund deposit and employee unit provident fund deposit, which belongs to individual employees.
Extended data
Personal housing provident fund loan: it is a preferential housing provident fund loan used by the housing provident fund management center and entrusted by commercial banks to the depositors of housing provident fund who purchase, build, renovate and overhaul their own houses and raise funds to build cooperative houses.
Personal housing provident fund portfolio loan: refers to that when the amount of housing provident fund loan is insufficient to pay the house purchase price, the borrower applies for housing provident fund loan, and at the same time applies for commercial personal housing loan from the entrusted bank, and the two loans together form a portfolio loan. Housing provident fund loans in portfolio loans are approved by the management center, and commercial loans are approved by the entrusted banks.
The real estate developer signs a cooperation agreement on commercial housing mortgage loan with the management center and the entrusted bank, and the real estate developer provides the borrower with a phased guarantee and deposits a deposit according to a certain proportion of the total loan. After completing the property right certificate and mortgage registration, the guarantee responsibility is terminated and the purchased house is converted into mortgage guarantee. The borrower applies for a loan from the management center. After approval, the entrusted bank signs a loan contract with the borrower and goes through the formalities of using the loan.
Personal housing provident fund replacement portfolio loan: firstly, the bank issues commercial housing loans to borrowers (employees who have paid housing provident fund) with bank funds, and then the entrusted bank applies for provident fund loans to the management center on behalf of the borrowers. The borrower's provident fund loan amount is controlled within its basic provident fund loan amount and does not exceed 70% of the commercial housing loan amount, and its basic provident fund loan period is shorter than the commercial housing loan period by more than 1 year.