At present, there are two ways to handle corporate loans, one is to repay the loan first, and the other is to offset the loan with the loan. Repayment means that employees who have applied for commercial loans apply to the center to transfer commercial loans to the public. With the consent of the center, employees will pay off their commercial loans with their own funds and go through the guarantee procedures, and then the center will issue commercial loans to the society. 1. Before applying, the lender should consult the branches of the entrusted bank about the policies and handling procedures for the transfer of provident fund loans, and fill in the personal housing provident fund loan folder and prepare relevant documents under the guidance of the bank staff. 2. The entrusted bank accepts the loan application and reviews the authenticity, completeness, validity and standardization of the loan application materials submitted by the lender to ensure the authenticity and validity of the signatures on various documents. 3. If the lender passes the preliminary examination, the bank staff will inform him to go through the guarantee formalities with the guarantee company with relevant information. 4. The lender signs a loan contract and mortgage contract with the loan bank with the staged letter of guarantee issued by the guarantee company, and at the same time supplements the difference funds transferred to the provident fund loan to the bank savings repayment account agreed in the original commercial loan. 5. The staff of the loan bank shall enter the information of the lender's mortgage, guarantee and pre-stored differential funds in the provident fund information management system. 6. The auditor of the entrusted bank shall review the loan information submitted by the lender in accordance with the provisions of the provident fund management center. 7. After the final judgment is passed, the entrusted bank will issue loans according to the loan notice of the provident fund management center, transfer the loan funds transferred to the provident fund and the pre-stored difference funds into the original commercial loan account, and settle the original commercial loan. 8. The loan bank shall, within 7 working days after the loan is issued, cooperate with the guarantee company to handle the cancellation of the original commercial loan mortgage registration with the real estate management department, and handle the transferred provident fund loan mortgage registration procedures. Article 24 of the Regulations on the Management of Housing Provident Fund

How long will it take for the whole process of provident fund loans to come down?

To apply for individual housing provident fund loans in Shenzhen China Bank, after the employees prepare the application materials and submit them to the bank outlets, the accepting personnel will conduct a preliminary examination of the materials and make a decision on acceptance within 5 working days; The center shall review the application materials and make a decision on whether to approve or disapprove the loan within 5 working days after acceptance:

1) If the loan is issued, the employee and the bank shall handle the loan procedures such as signing the housing provident fund loan contract and guaranteeing it;

2) If the loan is not granted, the center will clearly inform the employees of the reasons for not granting the loan.

Employees can query the approval results through the online service hall-loan approval query module. Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.

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

How is the housing provident fund loan flow chart carried out?

If the personal housing provident fund loan business is handled in Shenzhen China Bank, the loan handling process is as follows: step 1: the applicant and * * * directly make an appointment with the applicant at the bank's business outlets or online (fill in the information in the "Advance Loan Business" and make an appointment for the time and place). Step 2: Submit the application materials at the bank's business outlets or the reception counter of the management department according to the appointment time. Step 3: Approval by the Provident Fund Center. Step 4: Sign a loan contract with a commercial bank after approval. Step 5: The bank handles the relevant loan procedures. Step 6: The bank issues loans. Step 7: The borrower receives the information and completes the business. As different housing provident fund management centers have different policies and requirements for individual housing provident fund loans, please consult the provident fund loan business outlets or local relevant departments for details.

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

What is the process of buying a house with Shenzhen provident fund?

The purchase process of provident fund is as follows:

1. preliminary examination: the housing provident fund management center conducts preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount, loan period, etc. After passing the preliminary examination, the center will issue the Notice of Collateral Review and Evaluation.

2. Appraisal: The applicant holds the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated.

3. Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center. Meet the conditions, the center issued the "housing provident fund management center entrusted loan investigation notice".

4. Handling the guarantee procedures: The applicant shall handle the guarantee procedures according to the guarantee method chosen by himself with the Notice of Investigation on the Entrusted Guarantee Loan of the Housing Provident Fund Management Center. If mortgage guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution.

5. Sign a loan contract.

6, housing fund management center and the entrusted bank signed a loan agreement.

7. The borrower directly submits a loan application to the housing provident fund management center, and the entrusted industry can summarize the borrower's application materials as needed and submit them to the housing provident fund management center for approval.

8 housing fund management center approved the amount, duration and interest rate of each loan, and signed an entrusted loan contract with the entrusted bank.

9. According to the entrusted loan contract, the entrusted bank shall go through the loan procedures after signing the Mortgage Contract for Housing Provident Fund Entrusted Loan, the Pledge Contract for Housing Provident Fund Entrusted Loan and the Guarantee Contract for Housing Provident Fund Entrusted Loan with the borrower respectively.

10. The entrusted bank directly transfers the loan to the designated account opened by the seller in the entrusted bank.

What information does Shenzhen second-hand housing provident fund loan need? What are the processes?

Information and process needed for the second-hand housing provident fund loan:

First, the required materials

1, ID cards and household registration books of the applicant and the property owner;

2. Commercial housing sales contract;

3. The original of the purchased second-hand house property certificate and state-owned land use certificate.

4. Proof of income of the applicant and spouse;

5, the real estate price evaluation results

6. The transfer account certificate issued by the seller.

7. Other materials required by the Provident Fund Center.

Second, the provident fund loan steps

1. Applicants for second-hand housing provident fund loans can go to the provident fund management center or the loan undertaking bank to consult related matters and evaluate the loan amount and term.

2. The loan applicant receives the application form, etc. And fill in it carefully and truthfully, and submit relevant application materials. After the approval of the provident fund management center and the loan undertaking bank, the evaluation results will be issued.

3. Price evaluation

The loan applicant shall entrust the real estate price appraisal institution designated by the provident fund management center to evaluate the purchased real estate.

Step 4 pay a down payment

After the evaluation structure comes out, the loan applicant must deposit the self-raised down payment fund exceeding the loanable amount into the designated account, and submit it to the provident fund management center or the loan undertaking bank after obtaining the deposit certificate.

5, provident fund center for loan application review.

Step 6 sign a contract

The loan applicant completes the signing of the loan contract in the designated provident fund service hall.

7. Handle the formalities of second-hand house property right transfer and mortgage registration.

8. The loan undertaking bank lends money to the applicant according to the loan contract and directly transfers it to the account designated by the seller.