How to use housing provident fund loans?
1 The borrower submits a written loan application and related materials to the loan bank, and the loan bank submits it to the housing provident fund management department for examination and approval, or directly applies to the housing provident fund management department for examination and approval;
2 After the borrower approved by the housing provident fund management department signs the loan contract and guarantee contract with the loan bank, and goes through the mortgage registration, insurance, notarization and other related procedures,
According to the loan contract, the loan bank will transfer the loan to the special account for selling houses set up by the developer in the loan bank or directly to the deposit account opened by the borrower in the loan bank.
Housing provident fund loan credit application is very strict, and personal credit records are required to apply for housing provident fund loans. If the maximum overdue time of personal loans in the personal credit report is no more than 3 times (inclusive) and the cumulative overdue times in the two years before applying for loans are no more than 6 times, the loans within the credit range will not affect the loans.