The process of Shanghai provident fund loan is that employees submit valid certificates and materials, go to the business outlets of provident fund loan trustees in this city for review, sign provident fund loan contracts, applicants and house sellers go to real estate registration centers at all levels in this city for transfer and mortgage registration, and after obtaining the property ownership certificate and mortgage certificate, the accepting institution conducts loan review, and the bank issues loans. The following questions about the handling process of Shanghai provident fund loans are answered in detail by Bianxiao. com. 1. Shanghai provident fund loan 1 How to borrow? Employees shall submit valid certificates and materials, and go to the business outlets of provident fund loan trustees in this Municipality for handling and auditing. 2. Sign the provident fund loan contract. 3. The applicant and the house seller shall go through the formalities of transfer and mortgage registration at the real estate registration centers at all levels in this Municipality. 4. The accepting institution will conduct loan review after obtaining the house property right certificate and mortgage certificate. 5. Banks issue loans. Second, the application materials for Shanghai provident fund loan are complete, in line with the statutory form and in line with the loan conditions. 3. The processing time of Shanghai Provident Fund loan is from Monday to Saturday, from 09:00 am to1:30 am, and from 13:00 pm to 17:00 pm (except legal holidays, the business hours of commercial bank outlets shall be subject to the information published by commercial banks in official website. ) 4. Shanghai provident fund loans shall be handled in accordance with the Measures of Shanghai Municipality for the Administration of Housing Provident Fund Individual Housing Loans (Shanghai Provident Fund Management Committee [2017] No.8). Article 9 The objects of provident fund loans are employees who normally pay housing provident fund, including individual industrial and commercial households and their employees who pay housing provident fund in this Municipality, part-time employees and other flexible employees (hereinafter referred to as individual payers), and outside the city. Article 10 A borrower shall meet the following conditions at the same time: (1) Meet the conditions stipulated by the state and this Municipality's real estate control policies; (2) Having full capacity for civil conduct; (3) Having paid a down payment of not less than the prescribed proportion; (4) At present, the housing provident fund has been paid in full and continuously for a specified number of years, and there is no agreement to withdraw the housing provident fund (including but not limited to the repayment agreement of the housing provident fund, the agreement to withdraw the housing provident fund to pay the rent and other agreements to withdraw the housing consumption). ); (5) Having a good credit record and willingness to repay; (6) It has a stable and legal source of economic income and the ability to repay the principal and interest of the loan, and the borrower's family has no outstanding housing provident fund debts or other debts that may affect the repayment of provident fund loans; (seven) must be the owner of the purchase, construction, renovation and overhaul of housing in this city, and can provide relevant contracts or documents, identity certificates, down payment certificates and other materials that meet the requirements; The purpose of the loan is to purchase houses, and the houses purchased must be owner-occupied houses with ownership in this city; Provide the guarantee method approved by the municipal provident fund center; (nine) meet other conditions stipulated by the Municipal Provident Fund Management Committee. The proportion and time limit of down payment stipulated in Items (3) and (4) of the preceding paragraph shall be formulated and promulgated by the Municipal Provident Fund Management Committee. To apply for provident fund loans, you need to meet the deadline of continuous payment for 6 months. It is necessary to apply for provident fund loans in any area. If you haven't paid for six months in a row, you are not eligible for a loan. I hope the above content can help you. If you have other legal problems, you can consult online.
Legal objectivity:
"Regulations on the Management of Housing Provident Fund" Article 24 Employees may withdraw the storage balance in the housing provident fund account under any of the following circumstances: (1) purchasing, constructing, renovating or overhauling their own houses; 2 retired; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; Rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account will be included in the value-added income of the housing provident fund.