The process of the provident fund loan is as follows: (1) Proof of the deposit place of the housing provident fund of the applicant and spouse; (2) the identity certificate of the applicant and his spouse (referring to the valid residence certificate such as resident identity card and household registration book), marital status and other documents; (3) proof of family income stability 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 some authorized persons to mortgage and pledge, and certificate of valuation of some collateral made by relevant departments; (6) Other information required by the provident fund.
Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans. Those who participate in the housing provident fund system must also meet the following conditions before applying for housing provident fund personal housing loans: that is, the time for continuous deposit of housing provident fund before applying for loans is not less than six months. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it indicates that his income is unstable and he is prone to risks after issuing loans. One of the husband and wife has applied for housing provident fund loans, and both parties are not allowed to apply for housing provident fund loans again before paying off the principal and interest of the loans. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and the ability to repay the loan, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is very risky to give housing provident fund loans, which violates the principle of safe operation of housing provident fund.
What is the process of handling provident fund loans?
1. The provident fund center or the entrusted bank will first conduct a preliminary examination on the authenticity and compliance of the applicant's loan conditions, application materials, application amount and other contents; 2. After the first trial is passed, the bank will invite the applicant for an interview to further understand the applicant's loan purpose, repayment willingness and repayment ability, and establish interview records; 3. If the audit meets the requirements, the entrusted bank will accept the loan application. 4, loan approval city housing provident fund management center in the confirmation of acceptance, make a decision to grant or not to lend within 5 working days. 5. If the mortgage loan contract is signed and the application for provident fund loan is approved, the provident fund center or the entrusted bank will notify the borrower to go through the signing procedures. 6. After signing the contract for mortgage registration, the loan applicant and the co-owner of the house need to go to the real estate registration center for mortgage registration together with the provident fund center. After the real estate registration center accepts it, it will notify the provident fund center to receive the real estate registration certificate within a certain working day. 7. Lending audit The provident fund center will conduct lending audit after receiving the registration certificate of immovable property rights. 8. The entrusted bank issues loans according to the agreed loan conditions, and the loan funds are transferred according to the account agreed in the contract.
Legal basis:
"Regulations on the Management of Housing Provident Fund" Article 26 When employees who pay housing provident fund purchase, build, renovate or overhaul their own houses, they can apply for housing provident fund loans from the housing provident fund management center. The housing provident fund management center shall, within 05 days from the date of accepting the application, make a decision on whether to grant the loan or not, and notify the applicant; If the loan is granted, the entrusted bank shall handle the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
What is the application process for provident fund loans? Basic steps!
Some users are consulting and want to know the application process of provident fund. Due to the different standards in each region, the provident fund is greatly affected by the policy, so it is impossible to introduce the detailed application process. Here, you can briefly introduce the basic application process of provident fund loans. You can refer to it It is recommended to prepare materials and consult directly at the provident fund management center.
1. First, consult the local housing provident fund management center for the conditions and relevant information needed for the loan.
2. If you meet the loan conditions, then prepare relevant materials to the local housing provident fund management center to fill in the loan application form and submit relevant materials.
3. When the provident fund management center receives the borrower's application materials, it will conduct a preliminary examination, including the borrower's loan qualification, loan amount and term. After the preliminary examination is passed, the provident fund management center will issue a notice of collateral review and evaluation.
4. The applicant evaluates the value of the house purchased by the designated institution with the collateral review and evaluation notice. If it is affordable housing, there is no need to evaluate it.
5. When the evaluation results are obtained, the evaluation report will be submitted to the provident fund management center for review. After passing the examination, the Center will issue the Notice of Investigation on Entrusted Loans for Housing Fund Management Guarantee.
6. Go through the guarantee procedures and sign the loan-related contract.
7. Finally, the provident fund management center will entrust banks to issue loan funds.
The threshold for provident fund loans is relatively high, so you must first know whether you meet the application conditions. For details, please go to the local provident fund management center to ask.
Provident fund loan processing flow
The process of handling provident fund loans is as follows: the borrower applies for a loan at the loan bank and submits relevant materials; After accepting the application, the bank will review and send the borrower's application materials to the local housing provident fund management center; The provident fund management center has passed the examination and notified the handling bank; Sign loan-related contracts, handle mortgage registration procedures at the same time, and send the loan contract to the provident fund management center for review; Review loans issued by banks as required.
legal ground
Article 25 of the Regulations on the Management of Housing Provident Fund
If the employee withdraws the storage balance in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or not to withdraw, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.
Article 27
Applicants who apply for housing provident fund loans shall provide guarantees.
skill
The above answers are only for the current information combined with my understanding of the law, please refer carefully!
If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.