Need my signature. Housing provident fund loan process: the lender needs to submit a written application to the bank to apply for housing provident fund loans; For the loan application with complete information, the bank accepts the examination in time and submits it to the provident fund center in time; The provident fund center is responsible for approving loans and informing banks of the approval results in a timely manner; The bank informs the applicant to go through the loan formalities according to the examination and approval results of the provident fund center, and the borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other formalities to the provident fund center for examination and approval. After the approval of the provident fund center, the entrusted bank will allocate the entrusted loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract. If the borrower has a mortgage, he shall go through the mortgage registration formalities with the property right management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.

Second, do you need the signatures of both husband and wife to apply for provident fund loans?

If it is done by a person, use a person's name; If it is signed by the husband and signed by one person, and the loan is made by one person, the name of the lender will be given in the house book; If it is a loan from both parties, you can give large and small household registration books, that is, a property certificate, a property certificate, two people's certificates or other things, which will take effect only when both parties have certificates present.

Housing provident fund loan process:

Lenders applying for housing provident fund loans need to submit a written application to the bank;

For loan applications with complete information, the bank will accept and review them in time and submit the reserves in time.

The provident fund center is responsible for approving loans and informing banks of the approval results in a timely manner;

The bank informs the applicant to go through the loan formalities according to the examination and approval results of the provident fund center, and the borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other formalities to the provident fund center for examination and approval. After the approval of the provident fund center, the entrusted bank will allocate the entrusted loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract.

If the house is mortgaged, the borrower shall go through the registration formalities at the place where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.

3. Do couples need to sign a house with one person's provident fund loan?

Need. When applying for provident fund loans, you need to check the credit report, and the provident fund center will check the credit report of the applicant and his spouse to see if there are other outstanding loans. If there are other loans outstanding, whether the monthly repayment exceeds 50% of the family's monthly income according to the comprehensive liabilities (the specific approval criteria are subject to the local actual regulations), or directly require the applicant to pay off other loans before submitting an application for provident fund loans. The applicant is not required to settle other loans, and the monthly payment of debt plus provident fund loans exceeds the applicant's ability. Therefore, the applicant needs to provide proof materials such as bank running water, tax payment certificate, bank time deposit certificate, or national debt certificate that can cover the excess part to prove that he has the ability to repay the loan. Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to issue mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their working life. According to the regulations, employees who have paid housing provident fund for more than a certain period of time can apply for provident fund loans when the funds for purchasing, building, renovating and overhauling their own houses are insufficient. Generally speaking, most of them are loans from CCB. First, there are certain thresholds for housing provident fund loans. The borrower must meet the following conditions: 1. Having legal and valid identification; 2. Have full capacity for civil conduct; 3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan; 4 purchase, construction, renovation and overhaul of owner-occupied housing; 5 with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents; 6. Housing provident fund deposit conditions that meet the loan designated by the client; 7. Provide customer-recognized guarantee; 8. Neither the borrower nor the husband and wife have outstanding housing provident fund loans or housing provident fund policy discount loans; 9. Meet other conditions stipulated by the client. 2. In addition to the above nine conditions, applicants for housing provident fund loans must meet one of the following three conditions: 1. Applicants who purchase policy-oriented housing with the approval of government departments should, in principle, have established a housing provident fund account for more than 12 months (inclusive), and have continuously paid the housing provident fund in full for 6 months before applying for a loan, and they are in the state of payment when applying for a loan. 2. Borrowing applicants who purchase non-policy housing should, in principle, continuously deposit the housing provident fund 12 months in full before applying for loans (slightly different from place to place), and they are in the state of deposit when applying for loans. 3. The loan applicant is a retired employee who has paid the housing provident fund during his employment. The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, the proportion of housing price, the balance of housing provident fund account and the maximum loan amount. Iii. At the same time, it should be noted that when handling the housing accumulation fund, 1. All original documents must be brought; 2. Married borrowers must have both husband and wife present; 3. The numbers and names on the ID card, household registration book and marriage certificate must be consistent; All materials must be copied in A4 format.

4. Do you need the signatures of both husband and wife to apply for provident fund loans?

According to the relevant laws and regulations, as the property of both husband and wife, the house must be approved by the property owner and someone. Therefore, if the housing provident fund loan is the way to choose housing home purchase guarantee, both husband and wife should go through the mortgage (counter-guarantee) formalities at the scene.