1. The applicant brings information to the management core for consultation, application and filling out the application form;

2. Issue a letter of entrustment to the applicant after the core approval;

3. After receiving the notice, the applicant will bring all the originals to the bank to sign the contract, and at the same time go through the notarization formalities at the notary office;

4. The applicant shall wait until the house seller seals the signed contract materials;

5. The applicant holds the guaranteed loan contract (mortgage contract) and goes through the mortgage registration at Suqian Real Estate Management Office (real estate transaction hall of West podium of Jianshe Building);

6. The applicant takes the registered loan contract (mortgage contract) and notarial certificate to the housing provident fund service hall to receive the notice of transfer, and then goes to the bank to handle the transfer formalities with the notice of transfer.

provident fund loans refer to loans enjoyed by employees who have paid housing provident fund. According to the state regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.

provident fund loans refer to individual housing provident fund loans, which are housing mortgage loans issued by housing provident fund management centers in various places, using the housing provident fund paid by employees who apply for provident fund loans, and entrusting commercial banks to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who paid housing provident fund during their working life. In accordance with the provisions, employees who have paid the housing provident fund for a certain period of time or more (the period varies from city to city, such as Changsha for more than 12 months) may apply for provident fund loans when the funds for the purchase, construction, renovation and overhaul of their own houses are insufficient.

The loan conditions are as follows: the employees in the unit have signed labor contracts for more than three years (or signed one-year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit for more than a certain period of time; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle housing mortgage registration and insurance; Provide the guarantee method agreed by the local housing fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as purchase contract or house pre-sale contract, house property certificate, land use certificate, proof of deposit of provident fund, etc.

loan conditions

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

2. Those who participate in the housing provident fund system must also meet the following conditions in order to apply for housing provident fund personal housing loan: that is, the time for continuous deposit of housing provident fund before applying for loan is not less than six months. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it shows that his income is unstable and he is prone to risks after issuing loans.

3. If one spouse has applied for a housing provident fund loan, neither spouse can get another housing provident fund loan before paying off the principal and interest of the loan. Because, the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of employees' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and the ability to repay the loan, and there are no other debts that have not been paid off and may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is very risky to give housing provident fund loans, which violates the principle of safe operation of housing provident fund.

5. The maximum loan period of provident fund shall not exceed 3 years. For portfolio loans, the loan terms of provident fund loans and commercial housing loans must be the same.