The process of handling housing provident fund loans is:

1. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the housing provident fund loan application form and provide relevant materials truthfully;

2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time;

3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results;

4. The bank informs the applicant to handle the loan formalities according to the examination and approval results of the provident fund center, and the borrower and husband and wife sign a loan contract with the bank;

5 after the approval of the provident fund center, the entrusted loan funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

2. What are the procedures for handling housing provident fund loans?

Handling process of personal housing provident fund loan

1. The applicant brings information to the management center for consultation, application and filling in the application form;

2. After approval, the Center will issue a power of attorney to the applicant;

3. After receiving the notice, the applicant will bring all the originals to the bank to sign the contract, and at the same time go through the notarization formalities at the notary office;

4. The applicant has to wait for the contract information signed by the seller;

5. The applicant holds a guaranteed loan contract (mortgage contract) and goes to Suqian Real Estate Management Office (the real estate transaction hall of the West Skirt Building of Jianshe Building) for mortgage registration;

6. The applicant holds the registered loan contract (mortgage contract) and notarial certificate to the housing provident fund service hall to receive the transfer notice, and finally holds the transfer notice to the bank for transfer procedures.

Three, the process and procedures for housing provident fund loans

Handling process of housing provident fund loan: 1. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the Application Form for Housing Provident Fund Loans and truthfully provide the following information: (1) Proof of deposit of the applicant's and spouse's housing provident fund; (2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status; (3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability; (four) the purchase of housing contracts, agreements and other valid documents; (5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments; (six) other information required by the provident fund center. 2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time. 3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results. 4. 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 his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract. 5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping. Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, 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. Twenty-seventh applicants for housing provident fund loans shall provide guarantees.

4.202 1 What is the process from provident fund loan to real estate license?

1. The borrower needs to submit a written application to the bank to apply for the housing provident fund loan, fill in the housing provident fund loan application form and provide materials;

2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time;

3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results;

4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center.

5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located, and the mortgage contract or agreement shall be signed by both husband and wife.