City housing provident fund management center, the entrusted bank is responsible for providing relevant information consulting services to individuals who intend to apply for housing provident fund loans through service front desk, on-site consultation, business brochures and other channels and methods.

The main contents of loan consultation include:

1. Conditions for applying for housing provident fund loans.

2, apply for housing provident fund loans to provide information.

3. Procedures for handling provident fund loans.

4. The amount, term, interest rate and repayment method of the provident fund loan.

5. The address and telephone number of the provident fund lending institution.

6. Provide the "Application Form for Entrusted Loan of Personal Housing Provident Fund for Employees in Handan City" in duplicate.

Second, accept the application

City housing provident fund center or the entrusted bank is responsible for the integrity of the application materials submitted by the loan applicant.

Pass the qualified materials to the central loan officer for preliminary examination.

If the application materials fail to pass the examination, the handling personnel shall put forward clear opinions and return the application materials. After the loan conditions are met or the materials are perfect, the loan applicant may reapply.

Complete loan information should include: 2 application forms, 3 purchase contracts, 3 advance payment invoices, 3 ID cards of the borrower and his wife, 3 household registration books and 2 marriage certificates.

Three. examine and approve

1, first trial

The preliminary contents mainly include:

(1) Review the authenticity and legality of the information provided by the borrower.

(2) Review whether the borrower meets the loan conditions and has the ability to repay the loan.

(3) the authenticity of the collateral.

(4) the applicant pays the provident fund.

Step 2 review

The second office of the center reviews the completeness of the review materials and the rationality of the preliminary examination opinions, and signs the review opinions.

Step 3 agree

The director of the center and the director in charge respectively conduct the final review of the loan application according to the materials submitted by the two places.

Third, sign a contract.

The entrusted bank informs the borrower to sign the Contract for Entrusted Loan of Employee Personal Housing Provident Fund in quadruplicate.

If the purchased house can be mortgaged or mortgaged with existing houses elsewhere, a mortgage contract shall be signed in quadruplicate.

If the purchased house can't be mortgaged, and the existing houses in other places can't be mortgaged, you can apply to the provident fund management center for "pledge of provident fund", or the guarantee company will provide phased guarantee.

Fourth, apply for a mortgage.

The borrower himself holds the loan contract, mortgage contract, house purchase contract, prepayment invoice and a copy of the borrower's ID card to go through the mortgage registration formalities at the mortgage registration window of the real estate trading center.

After the mortgage registration is implemented, the borrower will lend money to the bank with the original and photocopy of 1 Lending Notice and Property Ownership Certificate.

Verb (abbreviation for verb) bank loan

After seeing the loan notice from the center, the loan bank will transfer the loan to the account of the selling unit.

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