One of the application conditions of provident fund loan is continuous deposit 12 months, and it has been continuously deposited for 6 months before the loan. The provident fund is interrupted for two months, and the deposit time is recalculated, which may affect the application for mortgage.
The materials to be prepared for handling provident fund loans are as follows:
1, ID card, household registration book or residence certificate;
2, provident fund account information, including provident fund account bank, account number and other information;
3, housing purchase contract, housing property certificate or pre-sale contract and other housing related documents;
4 proof of income of the property buyers and their spouses, including proof of wage income, labor contract, social security payment certificate, etc. ;
5. Credit certificates of the buyers and their spouses, including personal credit reports and bank accounts.
Process of paying provident fund:
1. Opening a provident fund account: individuals need to open a personal provident fund account at the local provident fund management center, and submit personal identity certificates, household registration books and other relevant supporting materials;
2. Payment of provident fund: companies or individuals pay the provident fund according to the prescribed schedule and method, usually once a month or once a quarter;
3. Confirm the deposit status of the provident fund: individuals can check the deposit status through the online inquiry system provided by the provident fund management center or at the counter to confirm whether the provident fund has been paid correctly;
4. Withdrawal of provident fund: On the premise of meeting the conditions for withdrawal of provident fund, individuals can apply to the provident fund management center, provide relevant supporting materials and fill in the application form.
To sum up, the repayment order of different regions and different provident fund lending institutions may be different, and the specific situation needs to refer to the regulations of local provident fund lending institutions.
Legal basis:
Article 26 of the Regulations on the Management of Housing Provident Fund
Workers who have paid housing provident fund can apply for housing provident fund loans to 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.