According to the different types of houses purchased, employees apply for loans from entrusted banks and submit loan application materials.
Second, the loan acceptance
(1) After the employee submits all the loan application materials, the entrusted bank will conduct a preliminary examination on the authenticity and compliance of the applicant's loan conditions, application materials and application amount.
(2) If the loan is approved in the first instance, the entrusting bank shall 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 preliminary examination and interview meet the requirements, the entrusted bank will accept the loan application.
Third, the loan approval
(a) the entrusted bank shall submit the loan application to the provident fund center for approval.
(two) the provident fund center shall complete the loan approval within 7 working days from the date of receiving the materials submitted by the entrusted bank. Provident fund portfolio loans need to be approved by the loan bank of the Economic Commission as commercial loans.
(three) if the employee loan application is not approved, the entrusted loan bank shall inform the applicant of the reasons.
Fourth, the contract signing
If the employee loan application is approved, the entrusted bank shall notify the borrower to go through the signing formalities. The Borrower, its spouse, the property owner, the guarantor, the entrusted bank and the provident fund center * * sign the Personal Loan/Guarantee Contract of Hangzhou Housing Provident Fund (hereinafter referred to as the Loan Guarantee Contract). The borrower also signed a loan receipt.
Verb (abbreviation of verb) loan audit
After receiving the Real Estate Mortgage Registration Certificate (notice), the Center will review the loan, and the loan conditions are as follows:
(1) If the commercial housing (affordable housing) is pre-sold, the loan conditions are: the real estate registration certificate (pre-registration) has been completed and the real estate has been declared.
(2) If the existing commercial housing (affordable housing) is loaned, the loan conditions are: completing and obtaining the real estate registration certificate (mortgage).
(3) In the case of other loans such as second-hand houses and housing reform houses, the loan conditions are: the real estate registration certificate (mortgage) is complete and collected.
Intransitive verb lending
After meeting the loan conditions, the entrusted bank will issue loans according to the loan guarantee contract, and the loan funds will be transferred according to the account agreed in the contract.
(a) is a pre-sale of commercial housing loans (including affordable housing), the loan funds directly into the designated commercial housing pre-sale funds special deposit account; For existing commercial housing loans (including affordable housing), the loan funds will be directly transferred to the fund account opened by the bank designated by the selling unit.
(two) to apply for a second-hand housing loan, and transfer the loan funds to the supervision and payment account of the real estate agency in the entrusted bank in the name of the borrower.
(three) to apply for public housing, resettlement housing loans, loan funds transferred to the borrower's bank deposit account.
Loan approval process
(a) the entrusted bank shall submit the loan application to the provident fund center for approval.
(two) the provident fund center shall complete the loan approval within 7 working days from the date of receiving the materials submitted by the entrusted bank. Provident fund portfolio loans need to be approved by the loan bank of the Economic Commission as commercial loans.
(three) if the employee loan application is not approved, the entrusted loan bank shall inform the applicant of the reasons.
Application process
(1) After the employee submits all the loan application materials, the loan entrusting bank conducts a preliminary examination on the authenticity and compliance of the applicant's loan conditions, application materials, application amount and other contents;
(2) If the loan is approved in the first instance, the entrusting bank shall 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 preliminary examination and interview meet the requirements, the entrusted bank will accept the loan application.
Third, the loan approval
(a) the entrusted bank shall submit the loan application to the provident fund center for approval.
(two) the provident fund center shall complete the loan approval within 7 working days from the date of receiving the materials submitted by the entrusted bank. Provident fund portfolio loans need to be approved by the loan bank of the Economic Commission as commercial loans.
(three) if the employee loan application is not approved, the entrusted loan bank shall inform the applicant of the reasons.
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