1. The applicant should go to the bank to fill in a written application form for provident fund loan, and submit relevant materials at the same time, such as the deposit certificate of the applicant's provident fund, the applicant's valid house purchase agreement, personal identity certificate, etc.

2. After the applicant's loan information is submitted completely, the bank will review it in time and submit it to the provident fund center.

3, provident fund center is responsible for loan approval, and timely return the approval results to the bank.

4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results, and sign the loan contract and other agreements. After the bank submits the loan contract and other procedures to the provident fund center for review, the provident fund center will entrust the bank with funds to issue loans on time.

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Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.

The definition of housing provident fund includes the following five aspects:

(1) Housing provident fund is only established in cities and towns, and there is no housing provident fund system in rural areas.

(2) Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.

(3) The housing accumulation fund consists of two parts, one part is paid by the employee's unit and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of housing provident fund together with the unit deposit.

(4) The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must pay it continuously according to the regulations during their employment, and it shall not be suspended or interrupted except for the retirement of employees or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.

(5) Housing accumulation fund is a personal housing savings fund specially used by employees for housing consumption expenditure, which has two characteristics of accumulation and specificity.

Main attributes

Housing accumulation fund (1) is guaranteed, and the establishment of employee housing accumulation fund system provides a guarantee for employees to solve housing problems quickly and well;

(2) Mutual assistance, the establishment of housing provident fund system can effectively establish and form a mechanism and channel for employees with housing to help employees without housing, and housing provident fund can help employees without housing in terms of funds, which reflects the mutual assistance of employee housing provident fund;

(3) In the long run, every urban employee must pay personal housing provident fund from the date of joining the work to the time of retirement or termination of labor relations; The employee's unit should also pay the housing provident fund for employee subsidies as required.

main feature

The housing accumulation fund (1) is universal, and urban workers must pay the housing accumulation fund in accordance with the regulations, regardless of the nature of their work units, family income and whether they own housing;

(2) Mandatory (policy). If the unit fails to register the deposit of housing provident fund or fails to set up a housing provident fund account for employees, the housing provident fund management center has the right to order it to handle it within a time limit. Those who fail to perform within the time limit may be punished according to the relevant provisions of the Regulations, and may apply to the people's court for compulsory execution;

(3) Welfare, in addition to the housing provident fund paid by employees, the unit should also pay a certain amount for employees, and the interest rate of housing provident fund loans is lower than that of commercial loans;

(4) Refundability: If the employee retires, resigns or completely loses the ability to work and terminates the labor relationship with the unit, or the household registration moves out or settles abroad, the paid housing provident fund will be returned to the individual employee.