Procedures for handling housing provident fund loans:
1. The borrower goes to the branches of the provident fund center to collect and truthfully fill out the Application Form for Housing Provident Fund Loan, and submit relevant materials to the provident fund center for review;
2, provident fund center branch through the examination of the borrower's purchase authenticity and repayment ability, put forward suggestions on the loan amount and duration, after passing the preliminary examination and signed by the person in charge of the branch, and then reported to the municipal provident fund center for approval;
3. After examination, the Municipal Provident Fund Center makes a decision on whether to grant or not to grant the loan, and sends the loan materials back to all branches;
4. If the loan is granted, the branches of the Provident Fund Center will transfer the loan materials to the entrusted bank, and the entrusted bank will notify the borrower and the mortgage guarantee parties to sign the Housing Provident Fund Loan Contract and handle the mortgage guarantee procedures; For those who do not meet the loan conditions, each branch shall notify the loan applicant and explain the reasons;
5. The entrusted bank issues loans to borrowers.
Applicant:
Provident fund loans refer to employees who have permanent residence in local towns, have established housing provident fund system for more than 2 years, and pay housing provident fund according to regulations. In the purchase, building or decoration, overhaul of their own housing funds are insufficient, you can enjoy provident fund loans. The loan conditions are as follows: the total amount of provident fund paid by the borrower and his family members reaches at least 30% of the newly purchased (overhauled) housing expenditure; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.
legal ground
Regulations on the administration of housing provident fund
Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to 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.