1. application: submit a written application for housing provident fund loan to the housing provident fund management core. 2. Preliminary review: After the preliminary review is passed, the management core will issue the Notice of Collateral Review and Evaluation. 3. Appraisal: After receiving the Notice of Collateral Examination and Appraisal, the applicant will take the notice to the designated appraisal institution to appraise the value of the purchased house. 4. review. 5. Go through the guarantee procedures. 6. Sign a loan contract.
legal ground
"Regulations on the Administration of Housing Provident Fund" Article 27 An applicant applying for a housing provident fund loan shall provide a guarantee.
What is the specific process of provident fund loans? The more detailed, the better.
First, the individual housing provident fund loan processing process:
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 shall wait for mortgage registration at the real estate management office with the secured loan contract (mortgage contract);
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.
Two. Conditions for applying for individual housing provident fund loans:
1. The housing accumulation fund has been paid normally for more than one year, and the housing accumulation fund has not been withdrawn within one year before the loan application;
2. Purchase owner-occupied houses in the cities and towns of this Municipality, and have a purchase contract that complies with the law;
3 employees applying for housing loans need to pay more than 30% of the house price in advance;
4. The borrower agrees to use the purchased house as the mortgage of the loan and handle the loan notarization procedures;
5. The borrower has a stable occupation, economic income and the ability to repay the loan principal and interest;
6. Other conditions stipulated by the management center.
Detailed explanation of provident fund loan process
The process of handling housing provident fund loans is:
1. Employees who have paid the housing provident fund shall apply to the housing provident fund management center;
2. The housing provident fund management center shall, within 15 days from the date of accepting the application, make a decision on whether to grant or not to grant the loan, and notify the applicant that if the loan is granted, the entrusted bank shall go through the loan formalities;
3, the applicant to apply for housing provident fund loans, should provide a guarantee.
legal ground
Article 26 of the Regulations on the Management of Housing Provident Fund
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.
Article 27
Applicants who apply for housing provident fund loans shall provide guarantees.
skill
The above answer is 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.
Provident Fund loan process
Legal analysis: the process of handling housing provident fund loans: 1. The applicant submits relevant loan materials. 2. Entrepreneurial loan network admission (3 working days). 3 to undertake the examination and approval of loan outlets (3 working days). 4, center qualification examination and approval (3 working days). 5. Sign a loan contract (2 working days after the qualification examination is passed). 6. The loan contract shall be sealed by the loan bank (3 working days). 7. Handle transfer and mortgage. 8. The applicant shall submit the loan information when obtaining the property right certificate and the property right registration certificate. 9. The loan information submitted by the undertaking outlets will be entered into the system and then approved (3 working days). 10, central loan approval (3 working days). 1 1, housing provident fund loan (1 working day).
Legal basis: Regulations on the Management of Housing Provident Fund
Article 1 These Regulations are formulated in order to strengthen the management of housing provident fund, safeguard the legitimate rights and interests of the owners of housing provident fund, promote urban housing construction and improve the living standards of urban residents.
Article 2 These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC). The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.
Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.
Article 4 The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, special account storage and financial supervision.
Provident fund loan processing flow
The handling of 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 been approved and notified to 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 balance stored 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 disapprove the withdrawal, 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 answer is 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.