Legal Subjectivity:

To handle provident fund loan procedures in Zhejiang, employees must prepare corresponding materials and submit the loan application to the Provident Fund Management Center. After review and processing by the Provident Fund Management Bureau, the employee must comply with the requirements The entrusted service bank of the conditions shall sign the contract. Regarding the provident fund loan process in Zhejiang Province, the editor of the website will answer it in detail for you below. 1. How to get a provident fund loan in Zhejiang Province 1. The applicant submits a loan application to the Provident Fund Management Bureau; 2. Loan acceptance by the Provident Fund Management Bureau; 3. Loan approval that meets the conditions; 4. Contract signing; 5. Loan review; 6. Loan issued. 2. Zhejiang Province provident fund loan conditions. The housing provident fund must be paid in full and normally as required, and has been paid continuously for more than 6 months (inclusive) when applying for a loan; the house purchased is an ordinary self-occupied house in this city, and there is a house purchase and construction contract and relevant certificates that comply with legal regulations materials, and agree to use the house purchased or built as loan security. 3. Zhejiang Provincial Provident Fund Loan Legal Provisions "Housing Provident Fund Management Regulations" were revised in accordance with the "Decision of the State Council on Amending Some Administrative Regulations" on March 24, 2019). Article 11 The Housing Provident Fund Management Center shall perform the following responsibilities: (1) Prepare and implement the collection and use plan of the Housing Provident Fund; (2) Responsible for recording the deposit, withdrawal and use of the Employees’ Housing Provident Fund; (3) Responsible for the housing provident fund Accounting of provident funds; (4) Examining and approving the withdrawal and use of housing provident funds; (5) Responsible for the preservation and return of housing provident funds; (6) Preparing reports on the implementation of housing provident fund collection and use plans; (7) Hosting the housing provident fund management committee Other matters decided. Article 12 The Housing Provident Fund Management Committee shall, in accordance with the relevant regulations of the People's Bank of China, designate a commercial bank entrusted to handle housing provident fund financial services (hereinafter referred to as the entrusted bank); the Housing Provident Fund Management Center shall entrust the entrusted bank to handle housing provident fund loans, Financial services such as settlement and procedures for the establishment, deposit and return of housing provident fund accounts. The housing provident fund management center shall sign an entrustment contract with the entrusted bank. Article 26 Employees who have paid housing provident funds may apply for housing provident fund loans from the Housing Provident Fund Management Center when purchasing, constructing, renovating, or overhauling their own homes. The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures. The risks of housing provident fund loans are borne by the housing provident fund management center. The above is the relevant content compiled by the editor. When applying for a provident fund loan, you can submit the business directly to the management center. If you meet the conditions, you will need to wait for a period of time before it can be disbursed. To apply for a loan, your provident fund needs to be normal. use. If you have any other needs, please go online for one-to-one legal consultation. Legal objectivity:

Article 24 of the "Regulations on the Administration of Housing Provident Fund" If an employee has any of the following circumstances, he or she may withdraw the balance in the employee's housing provident fund account: (1) Purchase, construction, renovation, or overhaul Those who live in their own homes; (2) Retired or retired; (3) Those who have completely lost the ability to work and terminated the labor relationship with their units; (4) Those who left the country to settle; (5) Those who repay the principal and interest of the home purchase loan; (6) The rent exceeds A prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, when the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time. If an employee dies or is declared dead, the employee's heirs or legatees can withdraw the balance in the employee's housing provident fund account; if there is no heir or legatee, the balance in the employee's housing provident fund account will be included in the appreciation income of the housing provident fund.