1, submit information

When the borrower applies for a provident fund loan from the management department of the provident fund management center where the provident fund is deposited, and chooses the guarantee center to provide the guarantee, it shall submit all the materials required for the individual to apply for the loan, including ID card, household registration book, marriage certificate, divorce certificate, proof of down payment for house purchase, house purchase contract, proof of housing provident fund deposit, etc.

2. audit notice

After the loan application has passed the preliminary examination, the management department will issue the Notice of Examination of Guarantee Application, print the loan contract, mortgage (counter-guarantee) contract and other relevant legal documents, and submit the personal loan information to the guarantee center.

Step 3 agree

The guarantee center shall review the guarantee application, and if the borrower meets the guarantee conditions, the guarantee center shall issue an approval letter for the guarantee application; If the borrower entrusts an intermediary agency to handle the provident fund loan, the intermediary agency shall handle the guarantee application procedures and collect the guarantee service fee. (Note: The agency must have the qualification certification of Beijing Housing Provident Fund Management Center and sign a cooperation agreement with the guarantee center. )

Step 4 pay

The borrower shall pay the guarantee service fee according to the approved Letter of Approval for Guarantee Application. The guarantee center shall issue an invoice for the guarantee service fee, and affix the official seal of the guarantee center on the approved loan contract, mortgage (counter-guarantee) contract, custody contract and other legal documents.

5, material transfer

The audited personal loan application materials (including the sealed contract) are transferred from the guarantee center to the housing provident fund management department; If an intermediary agency is entrusted, the intermediary agency shall be responsible for the transmission of the above information.

Step 6 sign a contract

The housing provident fund management department shall supervise and guide the loan applicants to sign loan contracts, mortgage (counter-guarantee) contracts and other relevant legal documents.

What is the process of handling provident fund loans?

How long does it take to approve provident fund loans?

1, the loan application (fill in the housing provident fund loan application form) will be completed on the same day;

2, the bank loan review, agreed to report to the municipal housing provident fund management center for review, completed within 2 working days.

3, the city housing provident fund management center to review the loan, completed in 1 working days.

4. After approval, the loan bank signs a loan contract with the borrower, which will be completed within 2 working days.

5. If the guarantee is selected, the guarantee company shall handle the counter-guarantee mortgage formalities, which shall be completed within 6 working days; If mortgage guarantee is selected, the borrower shall go through the mortgage insurance procedures and complete them within 7 working days; Where a pledge guarantee is selected, the bank shall go through the pledge formalities.

6, the loan bank will submit the borrower information to the city housing provident fund, completed within 2 working days.

7, the city housing provident fund management center for approval of loan materials, completed within 3 working days.

8. The borrower goes to the loan bank to handle the transfer formalities, which will be completed in 1 working day.