Generally speaking, in addition to the designated provident fund personal loan project, the lender can actually choose the corresponding loan department independently according to the specific situation, regardless of the location of the real estate. 1. What is the loan process of Beijing Housing Provident Fund? 1. Usually, there are two stages in the loan process that you need to participate in: (1) The first-instance loan handling department accepts your application for provident fund loan, reviews the application materials and loan qualifications, and preliminarily determines your loan amount, term and other information. (2) Face-to-face signing When you pass the examination and approval of the loan handling department, you need to go through the loan signing and related procedures according to the time and place notified by telephone. 2. Loans from different places: From 20 15 65438+ 10/day, Beijing registered employees who have paid housing provident fund in different places and bought the first set of self-occupied housing in Beijing can apply for housing provident fund loans from different places to the management center. 2. What conditions must the provident fund loan applicant meet? 1, the identity is legal and valid; 2. Have full capacity for civil conduct; 3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan; 4, purchase, construction, renovation, overhaul occupied housing; 5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents; 6, in line with the provisions of the client on the deposit conditions of the loan housing provident fund; 7. Provide customer-recognized guarantee; 8. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans; 9. Meet other conditions stipulated by the client. In addition to the above conditions, applicants for housing provident fund loans must meet one of the following three conditions: (1) applicants for housing provident fund loans who purchase policy-oriented housing approved by government departments should set up a housing provident fund account for more than 12 months (inclusive), and should continuously pay the housing provident fund in full for 6 months before applying for loans, and they are in the state of payment when applying for loans. (2) Borrowers who purchase non-policy housing should, in principle, pay the housing accumulation fund 12 months in full before applying for a loan, and be in the paid state when applying for a loan. (3) The loan applicant is a retired employee who paid the housing provident fund during his employment. Law: Article 27 of the Regulations on the Management of Housing Provident Fund stipulates: "To apply for a housing provident fund loan, the applicant shall provide a guarantee.

Legal objectivity:

Notice of Beijing Housing Provident Fund Management Center on Adjusting Housing Provident Fund Individual Housing Loan Policy

first

When applying for a loan, the loan applicant shall meet the following conditions:

(a) when applying for a loan, the borrower shall continuously deposit the housing provident fund for more than half a year (inclusive) and the housing provident fund account is in a normal deposit state;

Retirees have paid housing provident fund before retirement.

(2) The loan applicant must be qualified to buy a house in Beijing;

Apply for a loan to pay for the house you bought.

(three) the loan applicant has no housing loan record and no housing in this city, according to the first home loan policy;

Those who do not belong to the first suite and are approved as the second suite shall be handled according to the second suite loan policy. If there are two or more houses approved, no loans will be granted.