The housing provident fund loan process is as follows:

1, the deposit certificate of the housing provident fund of the applicant and spouse.

2, the applicant and spouse identification (refers to the resident identity card, permanent residence booklet and other valid residence documents), proof of marital status.

3 proof of family income stability and other proof of creditor's rights and debts that have an impact on repayment ability.

4, the purchase of housing contracts, agreements and other valid documents.

5. List of collateral and pledge, certificate of ownership, certificate of consent of the person who has the right to dispose of it, and certificate of collateral valuation issued by relevant departments.

The loan object shall meet the following conditions:

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.

2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan.

3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan.

How to borrow housing provident fund?

Provident fund loan process:

1. The loan applicant shall go to the loan handling department to conduct the preliminary examination of the provident fund loan with the materials required for the housing provident fund loan application.

2 in accordance with the provisions of the need for personal credit assessment of the loan applicant, the loan applicant shall sign the "credit assessment authorization" under the supervision of the staff of the loan handling department.

3. The staff of the loan processing department prints relevant documents and tells the loan applicant how to handle the next procedure.

4. If the house purchased by the loan applicant needs to be assessed according to the regulations, the staff of the loan handling department will also issue a notice of collateral assessment to the loan applicant, and the loan applicant or entrusted agent will apply for collateral assessment at the assessment agency designated by the Beijing Housing Provident Fund Management Center.

How to borrow housing provident fund loans?

First of all, we should know that the premise of the loan is that individual employees with urban hukou and their units must pay the housing provident fund 12 months or more continuously.

The first step, the loan applicant needs to submit a written application for housing provident fund loan to the bank, and truthfully fill in the above contents of the Housing Provident Fund Loan Application Form;

Step 2, submit the relevant materials needed for the loan: the identity certificate and marriage certificate of the applicant and spouse, and the proof that the applicant and spouse's housing provident fund has been paid on time; Proof of economic income of the applicant and spouse; Contracts, agreements and other relevant certificates of the purchased house; Legal certificate and value certificate as loan collateral;

The third step, the information is complete and meets the requirements, and the bank immediately accepts the audit and submits it to the provident fund center in time;

The fourth step, after receiving the bank price increase information provided by the applicant, the provident fund center will; Immediately review, notify the bank immediately after the review is passed, and issue the Notice of Collateral Review and Evaluation;

Fifth, after the approval of the provident fund center, the bank will call the applicant to go to the bank to handle the loan procedures and sign the loan contract or agreement, and then the bank will send the loan contract or agreement to the provident fund center for approval again;

Step 6, after the approval of the provident fund center, the provident fund center signs an entrusted loan agreement with the entrusted bank;

Step 7, according to the entrusted loan agreement, the entrusted bank will go through the loan procedures with the applicant and transfer the loan after signing the Housing Provident Fund Entrusted Loan Mortgage Contract, the Housing Provident Fund Entrusted Loan Pledge Contract and the Housing Provident Fund Entrusted Loan Guarantee Contract respectively;

The eighth step is to go through the mortgage guarantee procedures, and generally there will be a guarantee company to handle it on its behalf.

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How to borrow housing provident fund

Housing provident fund loan conditions

1. 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.

2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, 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 risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

The basic conditions for applying for housing provident fund housing loans mainly include three aspects: loan object, loan purpose and basic conditions for housing loans.

target

1, with valid identification;

2. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.

3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

Applicants for housing provident fund loans should have self-raised funds equivalent to 20% or more of the housing purchase price (regulations vary from place to place); Housing provident fund loan applicants should agree to apply for loan guarantees, and so on. These are all needed to reduce the risk of housing provident fund loans.

use

The use of housing provident fund loans is limited to the purchase of owner-occupied housing with ownership, and the purchased housing should meet the architectural design standards stipulated by the Municipal Provident Fund Management Center. Workers who purchase houses with the right to use cannot apply for housing provident fund loans.

procedure

(a) the applicant and spouse housing provident fund deposit certificate;

(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;

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