1. The applicant brings information to the management center for consultation, application and filling in the application form;
2. After approval, the Center will issue a power of attorney to the applicant;
3. After receiving the notice, the applicant will bring all the originals to the bank to sign the contract, and at the same time go through the notarization formalities at the notary office;
4. The applicant has to wait for the contract information signed by the seller;
5. The applicant should go to the real estate management office for mortgage registration with the loan contract after being guaranteed;
6. The applicant holds the registered loan contract and notarial certificate to the housing provident fund service hall to receive the transfer notice, and finally holds the transfer notice to the bank for transfer procedures.
Conditions for applying for individual housing provident fund loans:
1. The housing provident fund has been paid normally for more than one year, and the housing provident fund has not been withdrawn within one year before applying for a loan;
2, the purchase of urban housing in this city, and there is a purchase contract according to law;
3. When employees apply for housing loans, they need to pay more than 30% of the house price in advance;
4. The borrower agrees to use the purchased house as the mortgage of the loan and handle the loan notarization procedures;
5. The borrower has a stable occupation, economic income and the ability to repay the loan principal and interest;
6. Other conditions stipulated by the management center.
To sum up, handling provident fund loans requires a prescribed process, and individuals need to meet relevant requirements.
Legal basis:
Regulations on the administration of housing provident fund
Article 26
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.