1. How to handle the housing provident fund loan in Zhuzhou, and what is the specific process?

(1) Review and acceptance of loan applications. The applicant will submit the information required for the loan to the counter of the provident fund center for review and acceptance. (2) Entry of application information. The application materials that meet the loan qualification after examination shall be entered into the loan system of the provident fund center by the central counter personnel. (3) Investigation on the loan situation. The provident fund center or guarantee company investigates and verifies the application, mainly by means of on-site investigation and conversation, to verify the authenticity of the purchase and building, the use direction of loan funds and the source of income. (4) loan approval. The provident fund center determines the loan amount, term and guarantee method according to the information provided by the borrower and the investigation. (5) Signing contracts and handling mortgage or pledge procedures. (6) granting loans. For those who have gone through the formalities of mortgage or pledge, the provident fund center shall entrust the entrusted bank to issue loans to the borrower. Purchase faster, the loan funds directly transferred to the developer's bank account; Self-built, overhauled housing, purchased second-hand housing or used to repay housing loans of commercial banks, the loan funds can be transferred to the borrower's personal account.

second, what are the loan conditions of Zhuzhou housing provident fund?

1. Have full capacity for civil conduct. 2. On-the-job employees who have been paid in full monthly for more than 6 months within the scope of Hunan Province (excluding employees paid by railway sub-centers). 3. The loan applicant is the property owner who purchases, builds, rebuilds or overhauls the house within the administrative area of Zhuzhou, and the time for purchasing and building the house is within 3 years (or the real estate license is within 1 year), and the down payment is paid according to the specified proportion, and the purchase contract has been filed or the main body of the house has been built for more than one floor. If you apply for a loan with * * * real estate, the owner of the house is limited to the borrower's spouse or parents' children. 4, stable occupation and income, have the ability to repay the loan principal and interest. The monthly repayment amount (including other debts) shall not exceed 5% of the household income (see page 3 for the criteria for determining income capacity); If the spouse fails to pay the provident fund, the monthly repayment amount of the loan shall not exceed the salary base paid by the borrower. 5. Personal credit status is good. 6. Agree to provide loan guarantee approved by the Center, and recognize the terms of the loan contract. Provident fund loans refer to loans enjoyed by employees who deposit housing provident fund. According to the national regulations, all employees who have paid the provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans. In accordance with the provisions, employees who have paid the housing provident fund for a certain period of time or more (the period varies from city to city, such as Changsha for more than 12 months) may apply for provident fund loans when the funds for the purchase, construction, renovation and overhaul of their own houses are insufficient. Provident fund loan refers to individual housing provident fund loan, which is a mortgage loan issued by housing provident fund management centers around the country, using the housing provident fund paid by employees who apply for provident fund loans, and entrusting commercial banks to the depositors of housing provident fund who purchase, build, renovate and overhaul their own houses and retired employees who paid housing provident fund during their employment. In accordance with the provisions, employees who have paid the housing provident fund for a certain period of time or more (the period varies from city to city, such as Changsha for more than 12 months) may apply for provident fund loans when the funds for the purchase, construction, renovation and overhaul of their own houses are insufficient. The conditions of the loan are: the employees in the unit have signed labor contracts for more than three years (or signed one-year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit for more than a certain period of time; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle housing mortgage registration and insurance; Provide the guarantee method agreed by the local housing fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as purchase contract or house pre-sale contract, house property certificate, land use certificate, proof of deposit of provident fund, etc. Loan amount Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 6, yuan; The maximum amount of housing provident fund loans in Guangzhou is 5, yuan for individuals and 8, yuan for two or more applicants. Secondly, the maximum loan amount of housing provident fund does not exceed 7% of the total house payment; To apply for provident fund loans, the monthly repayment/monthly income should be no more than 5% (in which: monthly repayment includes the sum of monthly repayment of existing liabilities and current liabilities). The loan period of housing provident fund is 1-3 years, and shall not be longer than the time when the borrower is away from the statutory retirement age; Employees approaching retirement age may appropriately relax the loan period for 1-3 years on the basis of considering their loan repayment ability.

third, how to handle the housing provident fund loan in Zhuzhou, and what is the specific process?

(1) Review and acceptance of loan applications. The applicant will submit the information required for the loan to the counter of the provident fund center for review and acceptance. (2) Application materials that meet the loan qualification, and the loan system of the MPF Center. (three) to investigate and verify the loan application, mainly by means of on-site investigation and conversation, to verify the authenticity of the purchase and construction, and the use of loan funds. (4) loan approval. The provident fund center determines the loan amount, term and guarantee method according to the information provided by the borrower and the investigation. (5) signing contracts and (6) granting loans. Lend loans to borrowers from banks that have been mortgaged or pledged. The bank account of the loan fund for the purchase of faster houses; Self-built, overhauled housing, purchased second-hand housing or used to repay housing loans of commercial banks, the loan funds can be transferred to