1. The borrower should first go to the housing provident fund management center or the entrusted bank loan business acceptance branch to inquire whether it has the housing provident fund loan conditions.
2. For those who meet the requirements, consult and receive the Application Form for Entrusted Loan of Housing Provident Fund at the housing provident fund management center or the entrusted bank loan business acceptance outlets, fill in the required information according to the table, and send it to the housing provident fund management center or the entrusted bank loan business acceptance outlets.
3. The housing provident fund management center shall review the borrower's information and credit within two days. For those who meet the loan conditions, the housing provident fund management center will send the borrower information to the entrusted bank. The borrower will receive a notice from the bank to handle the relevant loan procedures in two days. Applicants who do not meet the loan conditions will be returned to the application materials.
2. What are the procedures for handling provident fund loans?
According to the national regulations, all employees who have paid the provident fund can apply for provident fund loans, but there are many procedures for buying a house with provident fund loans, and many people are not very clear about these procedures. So what are the procedures for handling provident fund loans? Let's take a look with Bian Xiao!
What are the procedures for handling provident fund loans?
1. application: the lender provides loan information to the provident fund management center; 2. Loan approval: the bank conducts credit investigation and approval; 3. Signing a loan contract: the lender carries relevant information to the bank to handle the loan contract; 4. The borrower handles insurance and mortgage registration procedures; 5. Loan transfer: After the loan takes effect, the bank transfers the loan to the account designated by the seller; 6. The lender shall repay the loan at the time agreed in the loan contract from the following month.
What are the requirements for applying for provident fund loans?
(1) Employees who have to pay provident fund can apply for provident fund loans;
(2) Before applying for a loan, you must continuously pay the provident fund for at least 6 months, because abnormal payment means unstable income and loans are prone to risks;
(3) If one spouse has applied for provident fund loans, neither spouse may apply for provident fund loans until the principal and interest of the loans are paid off. Because provident fund loans are financial support to meet the housing needs of employees, the above conditions must be met;
(4) When a lender applies for a housing provident fund loan, it must not have huge debts except to meet the stable economic income and repayment ability, so as not to affect the repayment ability of the provident fund loan;
(5) Provident fund loans can only be used to buy houses with ownership, and the houses purchased must meet the architectural design standards stipulated by the Municipal Provident Fund Management Center. If you buy a house for profit, you can't use the provident fund loan.
Bian Xiao concluded: The above information is about the process of handling provident fund loans. I wonder if it will help you! There are many procedures for handling provident fund loans, and many conditions need to be met. I suggest that everyone should know them carefully.
3. What is the procedure for applying for provident fund loans?
There are generally six steps to apply for housing provident fund loans: ① The borrower goes to the loan bank to apply for a loan. (2) After the loan bank passes the examination, it will issue a letter of intent for the loan, and the borrower will receive the forms required for the loan. (3) The borrower shall sign a contract or agreement with the sales unit according to the loan letter of intent. (4) The borrower signs a mortgage contract with the loan bank and deposits the self-raised funds into the loan bank. ⑤ The borrower goes through the guarantee procedures: the borrower who mortgages the real estate goes to the property right department to handle the Certificate of Other Property Rights and the Confirmation of Real Estate Mortgage. Where securities are pledged, they shall be kept by the lending bank and a loan contract shall be signed. ⑥ For the house purchase loan, the loan bank will transfer the loan together with the borrower's deposit to the account of the house selling unit, and the borrower will pay the loan for building and maintaining the house according to the loan contract.