Legal analysis:
Provident fund loans can be repaid in advance by applying. The house lender submits an application for prepayment to the Municipal Housing Provident Fund Center, which is reviewed and signed by the staff of the Credit Department of the Center and stamped with the business seal of the Credit Department. The lender holds the application procedures for prepayment.
2. The prepayment applicant settles the loan at the entrusted bank, and submits the repayment statement issued by the bank to the Credit Department, and the staff of the Credit Department will review and sign the opinions and affix the business seal of the Credit Department; The stub column of the repayment application form indicates that the lender has settled the loan and signed it.
3. The prepayment holder holds the repayment mortgage related procedures signed by the credit department.
Legal basis:
Regulations on the administration of housing provident fund
Article 1 These Regulations are formulated in order to safeguard the legitimate rights and interests of the owners of housing accumulation funds, promote urban housing construction and improve the living standards of urban residents.
Article 2 These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC).
The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, other enterprises and institutions in cities and towns, private non-enterprise units, social organizations (hereinafter collectively referred to as units) and their employees.
Twelfth housing provident fund management committee shall, in accordance with the relevant provisions of the People's Bank of China, designate a commercial bank entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted bank); Housing provident fund management center for loans, settlement and other financial services and housing provident fund account establishment, deposit, return procedures.
The housing provident fund management center shall sign an entrustment contract with the entrusted bank.
Second, the provident fund loan process detailed explanation
The processing flow of housing provident fund loan is: 1. Employees who have paid the housing provident fund shall apply to the housing provident fund management center; 2. The housing provident fund management center shall, within 15 days from the date of accepting the application, make a decision on whether to grant or not to grant the loan, and notify the applicant that if the loan is granted, the entrusted bank shall go through the loan formalities; 3, the applicant to apply for housing provident fund loans, should provide a guarantee. According to the law, employees who have paid the housing provident fund in accordance with Article 26 of the Regulations on the Management of Housing Provident Fund can apply for housing provident fund loans from 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. Twenty-seventh applicants for housing provident fund loans shall provide guarantees. Warm reminder that the above answer is only for the current information combined with my understanding of the law. Please refer carefully! If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.
Third, the housing provident fund loan process
The loan process of housing provident fund is as follows: 1. To apply for housing provident fund loans, borrowers need to submit a written application to the bank, fill in the Application Form for Housing Provident Fund Loans and truthfully provide the following information: (1) the deposit certificate of the applicant and spouse; (2) Identity certificates of the applicant and spouse (referring to valid residence certificates such as resident identity card and permanent residence booklet) and proof of marital status; (3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability; (4) valid documents such as purchase contract and agreement; (5) List of mortgaged property and pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of mortgage evaluation issued by relevant departments; (6) The Provident Fund Center requires the third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor sign a tripartite contract. (7) Other information required by the Provident Fund Center. 2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time. 3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results. 4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract. 5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate 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.
4. What are the procedures for mobile phone provident fund loans?
What is the process of housing provident fund loan?
1. The borrower shall submit a written application for housing provident fund loan to the housing provident fund management department, and truthfully fill in the housing provident fund loan application form and related materials, such as: personal identity card, borrower's marriage certificate, income certificate of the applicant and spouse, original legal purchase contract, stamp of the applicant and spouse, etc.
2. Housing provident fund management conducts a preliminary examination of the applicant's materials, including the applicant's qualifications, loan amount, term, etc. After the preliminary review is passed, the management will issue a notice of collateral review and evaluation.
3. After receiving the notice of mortgage review and evaluation, the applicant will take the notice to the designated evaluation institution to evaluate the value of the house to be purchased. If you can afford it, there is no need to evaluate it.
4. After the applicant has obtained the appraisal report issued by the appraisal institution, he shall go to the provident fund management department for examination and payment with the appraisal report and preliminary examination materials. If approved, the management will issue the Notice of Investigation on Entrusted Loans for Housing Provident Fund Management Guarantee.
5, the applicant holds the "housing fund management guarantee entrusted loan investigation notice", in accordance with their own choice of guarantee procedures. If the selected guarantee method is mortgage guarantee, the guarantor shall issue a written guarantee certificate; If the guarantee method you choose is mortgage plus insurance or third-party guarantee, you should go to the guarantee company to handle the entrusted guarantee formalities or go to the insurance company to insure.
6. After all the above matters are passed, the applicant can sign a loan contract.