The application for provident fund loans in different places is that after the central bank and the China Banking Regulatory Commission loosened the mortgage loan before 20 14/month, in June 20 14, the three departments issued a document asking all localities to relax the conditions of provident fund loans, and in September 20 15, the Notice on the Operation of Individual Housing Provident Fund Loans in Different Places was issued.
The application for provident fund loans in different places pointed out that employees can apply for provident fund loans after six months of continuous deposit, and the provident fund will realize mutual recognition in different places. The off-site provident fund loans mainly include employees who have paid the housing provident fund in full for more than 6 months (inclusive), and can apply for individual housing loans for housing provident fund. The loan target is the paid employees who purchase the first set of self-occupied housing or the second set of improved ordinary self-occupied housing.
Treatment process
1. The loan city provident fund center accepts the consultation of employees' loan business in different places and informs them of the materials needed for loan review at one time.
2 employees themselves or their clients apply to the municipal provident fund deposit center, and the municipal provident fund deposit center verifies the loans issued by employees according to their applications. For employees who have not used the housing provident fund personal housing loan or whose first housing provident fund personal housing loan has been settled, they will be issued with certificates of deposit and use of housing provident fund loans in different places.
3. 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.
4. During the repayment period of employee loans paid in different places, if the personal 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.
5. 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, and the balance of the loan employee provident fund account can be deducted according to the loan contract to repay the loan.