Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to the national regulations, all employees who have paid the provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans. When buying, building, renovating or overhauling owner-occupied housing in cities and towns in this city, you can apply for housing provident fund loans from the bank with my own property housing as collateral and as a loan repayment guarantee. 2065438+September 2005, the specific operation procedures of provident fund loans in different places have been issued. It is stipulated that loans from different places need to issue a certificate of deposit of the provident fund in the city.

According to the relevant regulations of Taiyuan Housing Provident Fund Management Center, when using provident fund to decorate houses, you can't directly withdraw provident fund from the renovated houses, but only use housing provident fund loans.

Application process

1, submit information

When the borrower applies for a provident fund loan from the management department of the provident fund management center where the provident fund is deposited, and chooses the guarantee center to provide the guarantee, it shall submit all the materials required for the individual to apply for the loan, including ID card, household registration book, marriage certificate, divorce certificate, proof of down payment for house purchase, house purchase contract, proof of housing provident fund deposit, etc.

2. audit notice

After the loan application has passed the preliminary examination, the management department will issue the Notice of Examination of Guarantee Application, print the loan contract, mortgage (counter-guarantee) contract and other relevant legal documents, and submit the personal loan information to the guarantee center.

Step 3 agree

The guarantee center shall review the guarantee application, and if the borrower meets the guarantee conditions, the guarantee center shall issue an approval letter for the 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. (Note: The agency must have the qualification certification of Beijing Housing Provident Fund Management Center and sign a cooperation agreement with the guarantee center. )

Step 4 pay

The borrower shall pay the guarantee service fee according to the approved Letter of Approval for Guarantee Application. The guarantee center shall issue an invoice for the guarantee service fee, and affix the official seal of the guarantee center on the approved loan contract, mortgage (counter-guarantee) contract, custody contract and other legal documents.

5, material transfer

The audited personal loan application materials (including the sealed contract) are transferred 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.

Step 6 sign a contract

The housing provident fund management department shall supervise and guide the loan applicants to sign loan contracts, mortgage (counter-guarantee) contracts and other relevant legal documents.

Approval procedure

I. Basis for examination and approval

1, Regulations on the Administration of Housing Provident Fund

2 measures for the administration of housing provident fund loans in Taiyuan City

Second, the scope of acceptance, the workers who normally pay the housing provident fund in our city can apply for individual housing provident fund loans to the institutions affiliated to our center when purchasing, building, renovating or overhauling their own ordinary houses within the city.

Three. Application conditions The borrower shall meet the following conditions when applying for a loan:

1, with XX permanent residence or valid residence certificate;

2. The housing accumulation fund has been continuously paid in full for more than 12 months, or continuously paid for more than 12 months after withdrawing the accumulation fund;

3. Purchase, build, renovate and overhaul self-occupied ordinary houses (excluding commercial and residential dual-use houses) within the city limits, and have relevant procedures, certificates and self-raised funds that have been delivered according to the prescribed proportion;

4 have a stable income, good credit and the ability to repay the principal and interest of the loan;

5. Agree to guarantee according to the guarantee method recognized by the Provident Fund Center;

6. Agree to fulfill the repayment obligations on time in accordance with these Measures and the relevant provisions of the housing provident fund loan contract;

7, laws, regulations, rules and other conditions stipulated by the provident fund center.

Application materials:

1. For self-built, renovated or overhauled self-occupied ordinary houses, planning and construction documents approved by the construction or real estate administrative department, land use certificate or original house property right certificate, construction contract and project budget and final accounts shall be provided;

2. The valid identity certificate, marriage certificate, household registration certificate or valid residence certificate of the borrower and his spouse;

3. Collateral appraisal report issued by real estate appraisal agency;

4. The guarantee certificate issued by the guarantor and the valid identity certificate of the guarantor;

5. Guarantee certificate issued by the real estate home purchase guarantee company;

6. Other materials required by the Provident Fund Center.