How to repay the provident fund?
Repaying the provident fund needs to be carried out in accordance with the steps of preliminary examination, evaluation, audit, handling guarantee procedures, signing a loan contract and signing an entrusted loan agreement with the entrusted bank for housing fund management.
1. Preliminary review: The Housing Provident Fund Management Committee conducts a preliminary review of the materials submitted by the applicant, including the applicant's qualification, loan amount, loan period, etc. After passing the preliminary examination, a notice of mortgage review and evaluation will be issued.
2. Appraisal: The applicant takes the Notice of Collateral Appraisal to the designated appraisal institution to appraise the value of the purchased house. However, affordable housing does not need to be evaluated.
3. Review: The applicant submits the evaluation report issued by the evaluation agency and the preliminary examination materials required for loan review. If it meets the requirements, it will issue a Notice of Investigation on Entrusted Loans for Housing Fund Management Guarantee.
4. Handling the guarantee formalities: The applicant shall handle the guarantee formalities by choosing the guarantee method on the basis of the Notice of Investigation on Entrusted Loan Guaranteed by Housing Provident Fund Management. If mortgage+guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage+insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution.
5. Sign a loan contract.
6, the housing fund management department and the entrusted bank signed a loan agreement.
What should I do after the provident fund repays the loan?
1, front desk settlement
After the provident fund loan is paid off, with the settlement voucher, the last repayment bill, the provident fund loan contract, ID card, guarantee fee invoice and other materials, go through the guarantee fee settlement procedures at the branch of the housing home purchase guarantee company corresponding to the loan bank, ask the guarantee company for mortgage cancellation materials, and then go through the mortgage cancellation procedures at the real estate trading center with his right certificate (commonly known as mortgage certificate).
2, bow tie list
After the loan is settled, the staff will print out a certificate of settlement of the provident fund and take this form well. It is the proof of your loan settlement, which is necessary to avoid unnecessary disputes.
3. Take another certificate
The bank that takes the provident fund loan statement to repay the loan takes his right certificate.
4. Exchange for a new certificate
The Lender shall replace the certificate of other rights, settlement certificate of provident fund, original title certificate and ID card at the property rights exchange center.
I know how to repay the provident fund loan and how to go through the formalities after the provident fund loan is repaid. I hope it can bring you some reference value. If you use the provident fund to repay the loan, you need to go through the prescribed procedures. Don't forget to go through the above procedures after the repayment.