I. Personal identity
Hedging provident fund needs to provide valid personal identification, such as ID card and household registration book. These documents are used to confirm the identity information and basic information of the applicant.
Second, the provident fund deposit certificate
As a necessary condition for the provident fund to hedge and repay the loan, the applicant needs to provide the deposit certificate of the provident fund. This certificate is usually issued by the applicant's unit or provident fund management center, which proves the deposit of the applicant's provident fund, including the deposit base, deposit ratio and deposit time.
Three. Hedge loan repayment application form
Hedging provident fund also needs to fill in the application form for hedging repayment. This form is used to record the applicant's basic information, hedging repayment method, hedging amount and other related information. Applicants are required to complete the form and sign it for confirmation.
Four. Loan contract signed with the bank
For applicants who have already bought houses through bank loans, they also need to provide loan contracts signed with banks. This contract is used to prove the applicant's loan situation, including loan amount, loan term and repayment method.
In addition to the above basic materials, some banks or regions may also require other relevant supporting documents, such as marriage certificate and real estate license. Therefore, before handling a hedge fund, it is recommended that the applicant know the local policies and bank requirements in detail to ensure that the required materials are fully prepared.
In the process of handling, the applicant should follow the procedures of the bank or provident fund management center, such as submitting materials, reviewing, signing agreements, etc. If you have any questions or difficulties, you can consult the staff or seek professional help in time.
To sum up:
Hedging provident fund needs to prepare personal identification certificate, provident fund deposit certificate, hedging repayment application form and loan contract signed with the bank. Applicants need to ensure the authenticity and integrity of the materials and handle them in accordance with relevant procedures. Before handling, it is recommended to know the local policies and bank requirements in detail to avoid unnecessary troubles.
Legal basis:
Regulations on the administration of housing provident fund
Article 24 provides that:
In any of the following circumstances, the employee may withdraw the storage balance in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.