The first step, the employee goes to the unit to handle the housing loan formalities, which is sealed by the unit and carries the information of himself and his spouse to the bank to handle the provident fund loan.
Step 2: The lending bank conducts the audit according to relevant procedures.
In the third step, the bank will decide the loan amount, repayment time and loan interest rate according to the employee's deposit situation.
Fourth, after the audit, employees can repay in time.
What is railway accumulation fund? Railway provident fund is a kind of social security for railway workers, and it is also a kind of housing provident fund similar to local governments. The railway company is in charge of this matter. Generally speaking, as long as the railway sub-bureau pays the provident fund in full and on time for more than 6 months, it can put forward provident fund loans when the railway company buys its own houses. The provident fund system of railway units shall be implemented in strict accordance with the railway system. Moreover, the funds for bank loans are not borne by local banks, but by higher-level banks. Therefore, this is a bit harsh.
The above is the second-hand housing loan process of railway provident fund, and what is railway provident fund. I believe it will help you, and I wish all railway workers a home of their own as soon as possible.