Process of applying for provident fund loan

1) The borrower applies to the housing fund management (sub-) center where the unit has paid the housing provident fund, introduces himself and gets the materials.

2) Prepare complete written materials and submit them to the housing fund management (sub-) center for review, including verifying the loan application form, whether the house purchase behavior is legal, verifying the loan amount and duration, and determining the loan guarantee method. Loans that need to be evaluated shall be evaluated by designated evaluation agencies.

3) After passing the preliminary examination, the housing fund management center will issue an investigation notice, and the entrusted bank will investigate the borrower and guide the borrower to fill in the relevant loan contract. The contents of the inspection include: verifying whether the person with guaranteed income and the guarantor are qualified to guarantee.

4) Accept the entrustment

If the bank investigation passes, the entrusted bank will issue an investigation opinion and submit it to the housing fund management center (sub-center) for approval.

5) After approval, the housing provident fund management (sub-) center will issue a notice of entrusted loan. The bank informs the borrower to go through the loan formalities.

6) After the loan contract comes into effect, the housing fund management (sub-) center will transfer the funds into the entrusted loan fund account, and then the entrusted bank will transfer the funds.

Developer account.

7) The borrower shall repay the loan on time in the prescribed way.

8) When the borrower pays off the principal and interest of the loan, the loan contract and related guarantees are dissolved and relevant documents are returned to the borrower (mortgagor or pledger).

2. What are the general procedures for provident fund consumer loans?

Personal consumption loan of provident fund is actually a personal unsecured credit loan with provident fund as the reference certificate, and only users who have paid the provident fund can apply. Different from the requirements of general consumer credit card loans, provident fund personal consumption loans should not only meet the basic requirements, but also refer to the time and monthly deposit base of provident fund.

1. The deposit time of the provident fund must be continuous and cannot be stopped. Generally, it must be paid continuously for at least 6 months, and the specific time is based on the loan time. For example, if the time to apply for a loan is 1 1.6, you must start paying the provident fund on May 6th.

2. The monthly deposit base of provident fund has different grades. The higher the grade, the larger the base, and the higher the assessment amount of personal consumption loans of provident fund, which is about 20 times of the deposit base.

3.20 16 what is the process of buying a house with Guangzhou provident fund loan?

Many people don't know how the process goes when they apply for provident fund loans to buy a house. It is easy to take detours and waste time. So, what is the process of buying a house with Guangzhou provident fund loan? 1. The applicant submits the Application Form for Housing Provident Fund Loan and related materials to Guangzhou Provident Fund Center or the undertaking bank; 2. Guangzhou Provident Fund Center or the undertaking bank shall, after accepting the application, conduct a pre-loan review of the relevant information of the applicant; 3. Guangzhou Provident Fund Center approves the applicant's loan application; 4. For the loan approved by Guangzhou Provident Fund Center, Guangzhou Provident Fund Center, the applicant and the entrusted bank shall sign a written loan contract, or the entrusted bank shall sign a written loan contract with the applicant; 5. After Guangzhou Provident Fund Center issues the loan approval opinions and completes the guarantee procedures, Guangzhou Provident Fund Center entrusts the entrusted bank to issue loans to all applicants.

4. Can the provincial provident fund buy a house in Guangzhou? Remote loan process!

Domestic transportation is becoming more and more developed, and many companies will wait for loans to buy houses after they start working. So can the provincial provident fund buy a house locally? Today, taking Guangzhou as an example, we will introduce the loan process and repayment in different places.

I. Application conditions

Employees applying for housing provident fund and individual housing loans in different places must be the same

(1) Guangzhou registered employees who have paid housing provident fund in other places buy self-occupied houses in Guangzhou;

(2) The unused housing accumulation fund or the individual housing loan whose first housing payment has been settled;

(3) Meet other application conditions of Guangzhou housing provident fund personal housing loan and Guangzhou housing purchase.

Second, the handling process

(1) The employee shall apply to the management center for depositing urban housing provident fund and deposit the management certificate of housing provident fund.

(2) The employee submits the loan certificate from another place to Guangzhou Housing Provident Fund Management Center (Huajiu Road, Zhujiang New Town, Tianhe District, Guangzhou/No.2 12 1 Building).

(3) Guangzhou Housing Provident Fund Management Center is responsible for verifying the authenticity and completeness of the deposit and use vouchers of the housing provident fund for employees with foreign loans to the Municipal Housing Provident Fund Management Center, and handling loan approval procedures for employees with foreign loans according to regulations.

Third, repayment rules.

From 20 19 65438+ 10/0, the application for off-site loan is entered into the Guangzhou housing provident fund loan system. Before the housing provident fund loan is settled, the balance of all borrowers' provident fund deposit accounts must be used to repay the housing provident fund loan first, and the loan must be repaid monthly.

For off-site loans, a personal voluntary deposit account shall be opened in Guangzhou as the repayment account. For the establishment conditions, handling procedures and handling materials of the voluntary deposit account, please refer to official website's Guidelines for Voluntary Deposit and Withdrawal of Guangzhou Housing Provident Fund.