China Bank Shanghai Housing Provident Fund Loan Handling Conditions:

1, in line with the conditions stipulated by the state and the city's real estate regulation and control policies;

2. Have full capacity for civil conduct;

3, has paid not less than the prescribed proportion of down payment funds;

4. At present, the housing provident fund has been paid in full and continuously for 6 months, and the agreement to withdraw the housing provident fund has not been terminated;

5. Have a good credit record and willingness to repay;

6. It has a stable and legal source of economic income and the ability to repay the principal and interest of the loan, and the borrower's family has no outstanding housing provident fund debts or other debts that may affect the repayment of provident fund loans;

7 must be the owner of the owner-occupied house with ownership in this city and can provide relevant contracts or certificates, identity certificates and other materials that meet the requirements;

8. Being able to provide the guarantee method recognized by the Municipal Provident Fund Center;

9. Meet other conditions stipulated by the Municipal Provident Fund Management Committee.

The above contents are for your reference. Please refer to the actual business regulations.

What is the process of Shanghai provident fund loan? Can every bank do it?

What is the process of Shanghai provident fund loan? Can every bank do it?

Basically, big banks can do it. The main process is:

1. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information:

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.

What is the loan process of Everbright Bank's housing provident fund loan?

The loan process of Everbright Bank's housing provident fund loan is as follows:

1. Application: After the loan application is accepted by China Everbright Bank, it is submitted to the Housing Provident Fund Management Department or directly applied to the Housing Provident Fund Management Department for approval;

2. Signing a contract: After the loan application is approved by the Housing Provident Fund Management Department, China Everbright Bank will inform the customer to sign a loan contract and a guarantee contract, and go through the necessary procedures such as mortgage registration;

3. Lending: After the loan application is approved, the customer must come to China Everbright Bank to fill in the loan transfer voucher, and China Everbright Bank will transfer the loan funds to the customer's house sales account opened in China Everbright Bank in one lump sum or in installments according to the loan contract.

The housing provident fund loan of China Everbright Bank refers to the loan that the housing provident fund management center is used to entrust China Everbright Bank to the depositors who buy, build or overhaul their own houses and the retired employees who paid the housing provident fund during their employment.

The cities where China Everbright Bank provides housing provident fund loans are: Shanghai, Chongqing, Changchun, Wuhan, Guangzhou, Kunming and Yantai.

What is the loan process of Shaoxing provident fund?

Shaoxing China Merchants Bank provides provident fund loans. Please dial 95555 at 8:30- 18:00, and choose 3 people for customer service -3-3-8, and enter the city where the manual service provides loans to inquire about the local telephone number for accepting provident fund loan applications. The specific information you need can be verified by calling.

What is the loan process of Changshu Provident Fund?

Provident fund inquiry method: 1, log on to the local housing provident fund website, 2, dial the provident fund hotline, 3, inquire at the service hall of the provident fund management center, 4, inquire at the designated outlets of the provident fund management center, 5, if you have a joint provident fund card, you can log on to the online bank for inquiry.

What is the process of Qingdao provident fund loan?

Qingdao Housing Provident Fund Deposit Process/Qingdao Provident Fund Loan Process

Article 18 The housing accumulation fund paid by individual employees shall be withheld and remitted from their wage income by the unit where they work.

Nineteenth units can pay housing provident fund by delivery or transfer. In the case of payment, the unit shall go through the audit procedures at the registration counter within five days from the date of monthly payment of wages. After the verification is correct, go to the deposit counter for deposit procedures.

By transfer, the city housing fund management center, the entrusted banks and units shall sign a transfer agreement, and go through the transfer formalities every month according to the agreement.

Twentieth employee housing provident fund monthly deposit amount is the average monthly salary of employees in the previous year multiplied by the specified proportion of individual housing provident fund deposit in that year; The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the specified proportion of housing provident fund paid by the unit in the current year.

The deposit base of employee housing provident fund with annual salary system is calculated according to the annual salary of employees, but it shall not exceed five times of the total annual average salary of employees in the previous year.

City housing fund management center shall timely organize the adjustment of housing provident fund deposit base every year.

Twenty-first employees' individual housing provident fund deposit ratio shall not be lower than the prescribed minimum deposit ratio, and the housing provident fund deposit ratio paid by the unit for employees shall not be lower than that of individual employees. The housing provident fund deposit ratio of units and employees shall not exceed the highest proportion stipulated in that year.

Twenty-second units shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid. Units that have real difficulties in depositing housing provident fund may reduce the deposit ratio or defer payment, and then increase the deposit ratio or repay it after being discussed and approved by the workers' congress or trade union of the unit and audited by the municipal housing fund management center and approved by the municipal housing commission.

Twenty-third employees who receive wages according to the minimum wage standard of this Municipality may be exempted from paying housing provident fund, and their units shall still pay housing provident fund for employees in accordance with the prescribed proportion.

Article 24 If an enterprise is declared bankrupt according to law, the outstanding principal and interest of the housing provident fund shall be included in the first repayment order, giving priority to compensation.

Twenty-fifth units to pay housing provident fund for employees, charged in accordance with the following provisions:

(a) the organs charged in the budget;

(two) institutions approved by the financial sector in the budget or expenses;

Twenty-sixth housing provident fund from the date of deposit in the employee housing provident fund account, the city housing fund management center in accordance with the interest rate prescribed by the state, June 30th every year as the interest settlement date.

Twenty-seventh city housing fund management center shall issue housing provident fund passbook for employees who have paid housing provident fund, as an effective certificate for employees to store housing provident fund.

I. Materials required for housing provident fund loans:

Household registration books of the borrower and his spouse;

Resident identity cards of the borrower and his spouse;

Proof of the marital status of the borrower;

Proof of down payment for house purchase;

Proof of income;

Credit status report of the borrower and his spouse printed by the bank;

Housing sales contracts or agreements that comply with the law.

The second is the conditions for handling housing provident fund;

Individuals and their units must continue to pay housing provident fund for one year;

The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;

Where the borrower purchases a commercial house, it shall not be less than 30% of the total house price.

Three, the housing provident fund management process:

The lender prepares the relevant materials, fills in the loan application in the bank and submits the materials;

After receiving the application, the loan bank shall confirm and review the information;

After the audit, the loan bank contacts the lender and signs the relevant contract;

For bank loans, the lender shall fulfill the repayment obligation.

What is the loan process of Yanzhou Provident Fund?

Housing accumulation fund handling process:

1. The lender prepares relevant materials, fills in the loan application in the bank and submits the materials;

2. After receiving the application, the loan bank shall confirm and review the information;

3. After the audit, the lending bank will contact the lender and sign relevant contracts;

4. For bank loans, the lender shall fulfill the repayment obligations.

What is the process of Beijing provident fund loan? What is the loan process of Anshan provident fund?

Provident fund policies vary from place to place. It is suggested to inquire or consult the local provident fund management center through official website. The official telephone number is 12329.

Shanghai provident fund loan process

Shanghai provident fund loan process: 1. The provident fund lender submits a written application to the bank, fills in the application form for housing provident fund loan, and provides relevant information; 2. The bank accepts and reviews the loan information and submits it to Shanghai Provident Fund Center; Shanghai Provident Fund Center is responsible for approving loans and informing banks of the approval results in a timely manner; 3. The loan bank shall notify the applicant to handle the loan formalities according to the examination and approval results of Shanghai Provident Fund Center. Provident fund loans are targeted at workers' families who normally pay housing provident fund and buy self-occupied housing in Shanghai towns. "Regulations on the Management of Housing Provident Fund" Article 25 The employee's withdrawal of the storage balance in the housing provident fund account shall be verified by the unit to which he belongs, and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

Shanghai provident fund loan

Shanghai provident fund loan process:

1, provident fund lenders bring relevant information to the bank to apply;

2. Banks review and accept eligible loans;

3. The loan bank shall notify the applicant to handle the loan formalities according to the examination and approval results of Shanghai Provident Fund Center.

legal ground

Article 26 of the Regulations on the Management of Housing Provident Fund

Workers who have paid housing provident fund can apply for housing provident fund loans to 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.

skill

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.

What materials do I need to apply for a provident fund loan in Shanghai?

Shanghai for provident fund loans need materials are:

1. The borrower fills in the list of borrowers and family members and the housing location table, and the accepting institution handles the property status inquiry under the family name on behalf of the borrower.

2, the borrower, spouse and * * * with the borrower's housing provident fund account.

3. The original and photocopy of the ID card and household registration book of the borrower, spouse, * * borrower, the property right of the house purchased by * *, and adults without civil capacity, and provide the guardian's certificate, which shall be signed by the above personnel and guardians.

4. If the borrower is married, the original and photocopy of the marriage certificate shall be provided; if the borrower is unmarried or divorced, the single commitment letter shall be provided.

5. The original and photocopy of the pre-sale contract and advance notice registration certificate.

6. Original and photocopy of the down payment invoice issued by the selling unit.

7. A copy of the developer's business license, legal person ID card and pre-sale permit.

8. Collection account number of the developer or sales agent.

9. The original and photocopy of the repayment passbook or debit card issued by the lending bank supporting the universal deposit and withdrawal function.

10. Other materials shall be collected by the accepting institution as required.