Process of adding name to provident fund loan:
1. Go to the bank to change the mortgage (with the consent of the lending bank);
2. In addition to the above-mentioned handling fee of 1 10 yuan. If the loan is provident fund, it needs to be increased by 100 yuan; If it is a portfolio loan (provident fund loan commercial loan), you need to add 200 yuan handling fee;
3. Other steps are the same as the previous process without loans.
Housing purchase process with provident fund loan:
1. Apply for a loan at the local housing provident fund management center. Borrowers apply for housing provident fund loans to the city and county provident fund management centers with housing purchase and construction contracts or agreements, ID cards, housing provident fund savings magnetic cards and seals. The use of both husband and wife housing provident fund loans, but also to bring a marriage certificate or other proof of marriage, fill in the personal housing provident fund loan application form. According to the borrower's application, the loan bank evaluates whether the borrower meets the loan conditions, calculates the loan amount and determines the loan term;
2. Sign a loan contract. After the local provident fund management center approves the borrower's application, the borrower signs a loan contract and a mortgage contract with the provident fund management center;
3. If you apply for mortgage, you should apply for notarization of mortgage. At that time, you need to bring the real estate license, ID card, marriage certificate, household registration book and its copy in quintuplicate, and go through notarization, house ownership certificate and other related procedures;
4. After completing the mortgage formalities, the borrower shall submit loan materials such as loan contract, mortgage contract, house ownership certificate or mortgage certificate to the provident fund management center. At that time, the Provident Fund Management Center will entrust the Housing Information Department of China Construction Bank to transfer the money to its personal account on time.
Legal basis: Article 24 of the Regulations on the Administration of Housing Provident Fund.
In any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.