The provident fund loan process is as follows:

1. The borrower submits personal application materials to the bank window of the loan service hall, which will be accepted and reviewed by the bank, and then submitted to the center for review.

2, the center for examination and approval, agreed to loan, guarantee company review, go through the guarantee formalities, pay the guarantee fee.

3. The borrower returns to the bank window to sign the loan contract, go through the notarization formalities at the notarization window and pay the notarization fee.

4. Wait for the bank's notice, get the loan contract and loan voucher, and start repayment according to the contract.

First, make full use of the provident fund loan amount.

Provident fund loan is a preferential loan policy supported by the state. As long as the loan conditions are met, the provident fund loan amount should be used as much as possible. From the perspective of investment and financial management, loans to buy a house should maximize the use of provident fund loans. After 20 12, some cities relaxed the conditions of provident fund loans, and lenders should pay close attention to the changes of relevant local policies in time.

Second, use the service life of the provident fund.

Because the interest rate of provident fund loans is lower than that of commercial loans, it is necessary to reasonably set a longer term of provident fund loans and a shorter term of commercial loans in portfolio loans. If the husband and wife are about the same age, the husband can be a lender and apply for a loan for a longer time; If there is a big age gap between husband and wife, let the younger one be the lender and apply for a provident fund loan with a longer term.

Third, reasonably determine the order of provident fund loans.

If you buy the first suite, you can fully enjoy the preferential interest rate policy of provident fund loans in the order of first provident fund loans and then commercial loans. For investors who want to buy a second suite, first buy the first suite with commercial loans, and then use provident fund loans to save interest expenses.

Fourth, reasonably determine the repayment amount.

The repayment method of provident fund loans is extremely flexible. As long as the monthly repayment amount is not lower than the "minimum repayment amount", the borrower can determine the repayment amount at will, but the repayment amount should be determined reasonably to avoid excessive pressure on the final repayment.

Fifth, offset the most economical interest rate at one time.

For buyers who have a large balance in the provident fund account and have little pressure on cash expenditure at the initial stage of the loan, they can choose to use all the balance in the provident fund account to offset the loan principal. In this way, the repayment amount of interest will show a decreasing trend, which can help buyers save a considerable amount of money.

Sixth, flexible use of provident fund.

In addition to loans, the provident fund can also be used for the purchase, construction, renovation and overhaul of self-occupied housing. The interest on the provident fund is relatively low. If you don't withdraw, you can only get it when you retire, so try to play its due role.

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.

Provident fund loan process, required information and processing time

The process of the provident fund loan is as follows: (1) Proof of the deposit place of the housing provident fund of the applicant and spouse; (2) the identity certificate of the applicant and his spouse (referring to the valid residence certificate such as resident identity card and household registration book), marital status and other documents; (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 some dispossessed persons to mortgage and pledge, and certificate of collateral valuation made by some relevant departments; (six) other information required by the provident fund.

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. Those who participate in the housing provident fund system must also meet the following conditions when applying for housing provident fund personal housing loans: that is, the time for continuous deposit of housing provident fund before applying for loans is not less than 6 months. 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. One of the husband and wife has applied for a housing provident fund loan, and neither of them can 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.

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

What is the process of handling provident fund loans?

1, loan application

The borrower receives and fills in the application form with valid house purchase (construction) materials and down payment voucher, which is signed by the borrower (spouse) unit and submitted to the center for review and interview together with the required loan materials.

2, the center for examination and approval

The Center shall review the loan application according to the borrower's application materials and the deposit of provident fund; After approval, notify the borrower (co-owner of the property) to sign a loan (mortgage) contract, open a repayment account and go through the insurance formalities.

Step 3 sign a contract

The borrower signs the loan (mortgage) contract, fills in the Registration Form of Real Estate Mortgage (or Option), and submits it to the center manager for review; At the same time, according to the repayment account opened in the entrusted bank, fill in the transfer authorization and iou.

4. Joint bank review

The center manager will send the loan contract, transfer authorization, iou and other materials verified and signed by the client, the borrower and the guarantor to the entrusted bank for joint examination; The entrusted bank will return the loan contract signed after the joint trial to the center within two working days.

5. Mortgage registration

The borrower holds the loan contract, mortgage contract, real estate mortgage registration form and related materials verified by the entrusted bank, and goes to the real estate management department for mortgage registration and filing procedures; Return the option mortgage certificate (or other warrants) to the center after handling.

6. Transfer of funds

According to the loan (mortgage) contract and real estate mortgage registration certificate (or other property right certificate), the center will transfer the loan funds into the entrusted loan account established by the center in the entrusted bank, and notify the entrusted bank to issue loans.

7. Lending loans

The entrusted bank shall issue the loan within two working days according to the transfer notice, loan list and loan contract of the center, and fill in the date of loan issuance. After the loan is issued, the relevant contracts, IOUs and other materials will be returned to the center in time.

8. Post-loan management

The center sorts the loan contracts, IOUs, mortgage contracts and related materials returned by the entrusted banks after issuing loans, and then inputs them into the microcomputer for archiving. At the same time, notify the borrower to collect the loan (mortgage) contract and the iou from the center.

What are the requirements for provident fund loans?

1. The borrower is required to have a good credit record, and there are no major bad records in the credit record.

2. The borrower must have a stable job and a stable income, and have sufficient economic ability to repay the principal and interest of the provident fund loan.

3. Under normal circumstances, provident fund loans need to be continuously deposited in the provident fund account for more than 12 months before the loan, depending on local policies.

4. The provident fund is in the deposit state, and the provident fund in the sealed state cannot be loaned.

5. The loan for using the provident fund has not been settled, and it is not allowed to borrow again. If one of the husband and wife fails to settle the provident fund loan, neither of them can use the provident fund loan again.

6. Lenders need to have enough down payment.

7. Other conditions stipulated by the provident fund center shall be subject to the actual situation.

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 deposit the provident fund for at least 6 months, because abnormal deposit 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 provident fund loans.

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 you take a closer look.

What is the process of handling provident fund loans?

1. The provident fund center or the entrusted bank first conducts a preliminary examination on the authenticity and compliance of the applicant's loan conditions, application materials, application amount and other contents; 2. After the first trial is passed, the bank will invite the applicant for an interview to further understand the loan purpose, repayment willingness and repayment ability of the applicant, and establish interview records; 3. If the audit meets the requirements, the entrusted bank will accept the loan application. 4, loan approval city housing provident fund management center in the confirmation of acceptance, make a decision to give or not to give a loan within 5 working days. 5. If the mortgage loan contract is signed and the application for provident fund loan is approved, the provident fund center or the entrusted bank shall notify the borrower to go through the signing formalities. 6. After the mortgage registration contract is signed, the loan applicant and the co-owner of the house need to go to the real estate registration center of the provident fund center for mortgage registration. After the real estate registration center accepts it, it will notify the provident fund center to receive the real estate rights registration certificate within a certain working day. 7. Loan review The provident fund center will conduct loan review after receiving the registration certificate of real estate rights. 8. The entrusted bank issues loans according to the agreed loan conditions, and the loan funds are transferred according to the account agreed in the contract.

Legal basis:

Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from 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.

So much for the introduction of provident fund loan issuance process.