Provident fund mortgage loan process
1. Loan application: The borrower receives and fills in the application form with valid house purchase (construction) materials and down payment voucher, which is signed by the borrower (spouse) and submitted for review and interview together with the required loan materials.
2. Examination and approval: review the loan application according to the borrower's application materials and the deposit of provident fund; After approval, notify the borrower to sign a loan (mortgage) contract, open a repayment account and go through the insurance formalities.
3. Signing a contract: the borrower signs a loan (mortgage) contract and fills in a real estate mortgage (or option) registration form. , and submit it to the manager for verification; At the same time, according to the repayment account opened in the entrusted bank, fill in the transfer authorization and iou.
4. Joint examination of banks: the manager will send the loan contract, transfer authorization, iou and other materials verified and signed by the client, borrower and guarantor to the entrusted bank for joint examination; The entrusted bank will return the loan contract signed after the joint trial within two working days.
5. Mortgage registration: The borrower goes to the real estate management department for mortgage registration and filing with the loan contract, mortgage contract, real estate mortgage registration form and related materials verified by the entrusted bank; Return the option mortgage certificate after handling.
6. Fund transfer: according to the completed loan (mortgage) contract and the real estate mortgage registration certificate, transfer the loan funds to the entrusted loan account established in the entrusted bank, and notify the entrusted bank to issue the loan.
7. Lending: The entrusted bank shall issue the loan within two working days according to the transfer notice, loan list and loan contract, and fill in the date of loan issuance. After the loan is issued, relevant contracts, IOUs and other materials shall be returned in time.
Conditions of provident fund mortgage loan
1. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-funded enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees. Loan terms:
2, with the city's urban permanent residence or valid residence status; Have a stable occupation and income, and have the ability to repay the principal and interest of the loan;
3. Have a house purchase contract or relevant supporting documents; Provide the guarantee method agreed by the management; Other conditions stipulated by the management.
The repayment method of provident fund loans is flexible. Generally, as long as the monthly repayment amount is not lower than the low repayment amount, the repayment amount can be determined at will, so the repayment person must determine a reasonable repayment amount to avoid excessive repayment pressure. Want to pass the provident fund mortgage loan process? What are the mortgage conditions of the provident fund? This explanation may help you.