According to the Notice of the Ministry of Housing and Urban-Rural Development on the Operational Issues Concerning Personal Housing Loans of Housing Provident Funds in Different Places issued by the Ministry of Housing and Urban-Rural Development on September 201May 5, the division of responsibilities and handling procedures of provident fund loans in different places were clarified, and the urban provident fund management departments were required to promptly issue relevant rules.
Second, the handling process
(a) the loan city provident fund center accepts the consultation of employees' loan business in different places, and informs the materials needed for loan review at one time.
(II) The employee himself or his client applies to the municipal provident fund deposit center, and the deposit center verifies the employee's deposit of loans according to the employee's application, and issues the Certificate of Deposit and Use of Housing Provident Fund for employees who have never used the housing provident fund or whose first housing provident fund loan has been settled.
(3) After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loan to the deposit city provident fund center. If the verification is correct, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center. Deposit to the city provident fund center to identify the situation of employees' loans in different places, and establish a detailed account of employees' loans in different places.
(four) during the loan repayment period, if the personal account of housing provident fund is transferred, the original deposit city provident fund center shall promptly notify the loan city provident fund center and transfer it to the city provident fund center. Transferred to the city provident fund center should be re-identified and recorded in a timely manner after receiving the employee housing provident fund account.
(5) In loans overdue, the deposit city provident fund center should cooperate with the loan city provident fund center to carry out loan collection and other work, and deduct the balance of the loan employee provident fund account to repay the loan according to the loan contract.
I. Application conditions
1. The applicant must purchase a self-occupied house in our city and be the owner or owner of the house purchased.
2, the applicant must be normal and full deposit housing provident fund for more than six months.
3. The applicant and spouse have no outstanding housing provident fund loans. (including the place where the housing provident fund is paid)
4 to provide the guarantee procedures approved by the city housing provident fund management center.
5. Meet other conditions for housing provident fund loans.
Second, the application materials
1, the housing provident fund deposit certificate provided by the urban housing provident fund management center at or above the prefecture level. (Require both husband and wife to provide housing provident fund in different places; Original 1 copy, kept by the center, and the voucher format is provided by the housing provident fund management center of our city)
2. Proof of deposit of housing provident fund in different places and details of deposit in the last year. (One original and one copy, with a copy of the original inspection)
3. Other information is the same as the normal housing provident fund loan.
Third, the handling process
1, ask for the form. Loan applicants can consult and obtain the deposit certificate of housing provident fund at our housing provident fund business outlets, or download it from our housing provident fund website.
2. Issue certificates. The loan applicant and other employees who need to participate in the calculation of the loan amount shall go to the management center where the provident fund is deposited with the certificate of housing provident fund deposit.
3. Verify the situation. After receiving the relevant information of the applicant, the handling personnel of the housing provident fund management center shall verify the deposit of housing provident fund in different places by telephone, fax and online inquiry.
4. Open an account. Loan applicants and other employees who need to participate in the quota calculation shall go to the business outlets of the housing provident fund management center of our city to handle the account opening procedures for the deposit households of employees with loans from different places with the proof of housing provident fund deposit.
5. Apply for a loan. The specific procedures are the same as the normal application procedures for housing provident fund loans.