When handling the provident fund loan in Handan, the borrower needs to submit an application to the housing provident fund management center. After reviewing the materials, the staff will make a decision to inform the applicant within 15 days, and then bring the relevant materials to the bank provident fund window. The following questions about the loan process of Handan provident fund are answered in detail by Bianxiao. com. 1. How to borrow Handan provident fund loan Step 1: Loan application: When applying for provident fund loan, the borrower shall submit a written application to the municipal housing provident fund management center. Step 2: Waiting for notification: According to the application materials provided by the borrower, the municipal housing provident fund management center conducts a pre-loan investigation on the borrower, makes a decision on whether to approve the loan within 15 working days, and informs the applicant. Step 3: Sign a contract: For the loan approved by the Municipal Housing Provident Fund Management Center, the borrower signs a loan contract and related contracts or agreements with the loan bank. Step 4: Go through the guarantee formalities: If collateral is used as the guarantee, the borrower should go through the mortgage registration formalities at the property right management department; Where securities are pledged, the borrower shall hand over the securities to the lending bank for safekeeping. Step 5: Bank loan: After the loan formalities are completed and approved by the Municipal Housing Provident Fund Management Center, the loan bank will transfer the loan funds into the account of the seller within 2 working days. 2. Handan provident fund loan amount 1, with a maximum loan amount of 800,000 yuan. 2. The loan amount shall not exceed 80% of the total house price. 3. Repay the loan principal and interest every month and not exceed 50% of the family's total monthly income. 4. The loan amount shall not exceed the total house price minus the paid house price. 5. The maximum loan amount shall not exceed the normal deposit period of the borrower and his wife (consecutive months/12) * 60,000 yuan+(borrower's monthly deposit * consecutive months+spouse's monthly deposit * consecutive months) * 10 yuan III. Regulations on the Management of Housing Provident Fund (20 19) (2) is responsible for recording the deposit, withdrawal and use of employee housing provident fund; (three) responsible for the accounting of housing provident fund; (four) to approve the extraction and use of housing provident fund; (five) responsible for the preservation and return of housing provident fund; (six) the preparation of housing provident fund collection and use plan implementation report; (seven) to undertake other matters decided by the housing provident fund management committee. Twenty-sixth 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. The above is the related content compiled by Bian Xiao. In the process of handling provident fund loan procedures in Handan area, it is necessary to declare business to the provident fund management bureau and the bank provident fund window. Under normal circumstances, the amount does not exceed 800,000 yuan, and the total loan amount does not exceed 80% of the total house price. If you have other needs, please do one-on-one legal consultation online.