Since June 8, last year 10, Shantou housing provident fund loan business has been fully implemented, and the actual amount of individual housing loans in some districts and cities has increased.
The so-called "off-site loan" means that the paid employees can apply for personal housing loans from the housing provident fund management center where the house is purchased in accordance with the housing provident fund personal housing loan policy. The housing provident fund management center of the place of deposit and the place of purchase shall cooperate with each other, issue and confirm the deposit certificate and other materials in time, and handle the loan procedures.
The Ministry of Housing and Urban-Rural Development clarifies the loan process of provident fund in different places
I. Business consultation:
The loan city provident fund center accepts the consultation of employees' loan business in different places, and informs them of the audit materials required for the loan at one time.
Second, the loan application:
Employees themselves or their clients apply to the urban provident fund deposit center, and the deposit center verifies the loans paid by employees according to their applications, and issues the Certificate of Deposit and Use of Housing Provident Fund for employees who have never used the housing provident fund or whose loans for the first time have been settled.
Three. Verification:
After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loan to the deposit city provident fund center. If the verification is correct, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center. Deposit to the city provident fund center to identify the situation of employees' loans in different places, and establish a detailed account of employees' loans in different places.
Four. Account transfer:
During the loan repayment period, if the individual account of housing provident fund is transferred, the original deposit city provident fund center shall promptly inform the loan city provident fund center and transfer it to the city provident fund center. Transferred to the city provident fund center should be re-identified and recorded in a timely manner after receiving the employee housing provident fund account.
Verb (abbreviation for verb) loan repayment:
In loans overdue, the deposit city provident fund center should cooperate with the loan city provident fund center to carry out loan collection and other work. According to the loan contract, the balance in the loan employee's provident fund account can be used to deduct the repayment.