Shenzhen provident fund loan
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Source: local treasure Date: 20 15-04- 14
Abstract: Using provident fund loans is a common way at present, and many people don't know how to use provident fund loans. This paper will sort out the conditions that you need to meet in handling provident fund loans, as well as the processes and materials needed for handling provident fund loans. The actual handling shall be subject to the handling window.
Letter of credit clause
Provident fund loan conditions
1. The housing accumulation fund shall be continuously paid in full and on time before the month when the loan is applied for, reaching the specified period.
2. The down payment for house purchase (construction) shall not be less than the specified proportion.
3. Provide loan guarantee as required.
4. It has stable economic income and loan repayment ability, and its personal credit status is good.
5 employees and their spouses have no housing provident fund loans or have paid off all housing provident fund loans.
6. Other conditions recognized by the provident fund management committee.
(2) Restricting loan conditions
1. Insufficient personal account deposit 1 year.
2. The account has been in arrears for more than 3 months.
This account has been in arrears for more than 3 months.
4. Buy 200_ and other large units.
Loan process
Pure provident fund
(A) First-hand housing loan process
1. Check the pre-sale house online.
Applicants and co-applicants → make inquiries in the section of "Inquiry of Pre-sale Housing for Provident Fund Loan" in the homepage inquiry box → contact the bank outlets.
2. Submit a loan application
After being accepted by the entrusted bank outlets, they shall submit loan applications to the housing provident fund management center.
3. Waiting for the approval of the center
The management center receives the loan application submitted by the entrusted bank, and once the materials are complete, it will give the result within 5 working days.
4. Sign a contract with the entrusted bank
Within 5 working days after the approval of the management center is completed, the borrower signs a contract with the entrusted bank.
5. Wait for the entrusted bank to issue loans.
The borrower shall first go through the relevant relaxation procedures with the entrusted bank and issue the loan within 5 working days after meeting the loan conditions.
6. Business completion
The borrower receives the information and the provident fund loan is completed.
Second-hand housing loan process
1. Book online
Staff → log in to official website → log in to the service hall → log in (using digital certificate/key) → click on the "business reservation" module → fill in the information → make an appointment at the time and place.
2 provident fund management center office hall acceptance
The applicant → hold the required application materials → the service hall of the central management department → the center accepts the materials and conducts examination and approval (within 5 working days) → the examination and approval results.
3. Contract signing and bank loans
The applicant gets the result (within 5 working days) → signs the contract at the bank resident counter in the service hall of the central management department → waits for the approval of the entrusted bank → the borrower and the entrusted bank handle the relevant loan procedures → meets the loan conditions (within 5 working days) → the entrusted bank issues the loan.
4. Business completion
The borrower collects information at the bank resident counter in the service hall of the central management department.
(3) the process of converting commercial loans into public funds
(4) other loan processes such as affordable housing.
Provident fund combination
(A) the new commodity auction loan process
1. Check the pre-sale house online.
Applicants and co-applicants → make inquiries in the section of "Inquiry of Pre-sale Housing for Provident Fund Loan" in the homepage inquiry box → contact the bank outlets.
2. Submit a loan application
After being accepted by the entrusted bank outlets, they shall submit loan applications to the housing provident fund management center.
3. Waiting for the approval of the center
The management center receives the loan application submitted by the entrusted bank, and once the materials are complete, it will give the result within 5 working days.
4. Sign a contract with the entrusted bank
Within 5 working days after the approval of the management center is completed, the borrower signs a contract with the entrusted bank.
5. Wait for the entrusted bank to issue loans.
The borrower shall first go through the relevant relaxation procedures with the entrusted bank and issue the loan within 5 working days after meeting the loan conditions.