Can provident fund loans be entrusted to others?

20 14 Three departments issued a document to cancel the housing accumulation fund, individual housing loan insurance, notarization, new house evaluation and compulsory agency guarantee, so as to reduce the burden on loan workers. The following is the provident fund loan I arranged for you. Can I entrust someone else to handle it? I hope it helps you!

Can provident fund loans be entrusted to others?

Provident fund personal housing loan refers to the personal housing loan issued by CCB with the funds provided by customers under the entrustment of the local housing fund management department. The loan risk is borne by the client, which is mainly used to solve the problem of insufficient funds for individual employees to purchase and build housing.

The application for housing provident fund loans must comply with the provisions of the local housing provident fund management department on housing provident fund loans.

The basic conditions should be:

Have a legal status;

Pay the housing accumulation fund in full and on time;

Have a stable economic income, good credit and the ability to repay the principal and interest of loans;

There are legal and effective certificates such as contracts and agreements for the purchase and overhaul of housing;

Self-raised funds above the minimum amount and guaranteed to be used to pay the down payment of the purchased (overhauled) house;

Having assets that meet the conditions of mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors;

Meet other loan conditions stipulated by the local housing provident fund management department.

2. When handling the provident fund loan, the lender can't sign when he is on a business trip. Can he go to the notary office to go through the signing formalities? How come?

Many people can't go to the scene to handle the withdrawal of provident fund for various reasons, so they can entrust others to handle it on their behalf. The required materials are as follows: if the trustee is the spouse or immediate family member of the principal, the ID card, household registration book or marriage certificate of the principal and the trustee, the household registration certificate issued by the public security organ and other materials that can prove the relationship between the principal and the trustee, and the power of attorney issued by the principal are required; If the trustee is not the spouse or immediate family member of the principal, the identity cards of the principal and the trustee shall be provided, and the original power of attorney notarized by the notary organ shall also be provided. In addition, if the deposit employee is really unable to handle the withdrawal in person for some reason, and the agent can't provide the entrustment certificate, it shall be handled by the unit in principle, but the money must be transferred to the deposit employee's account, and the unit shall be responsible for transferring it to the employee himself.

Three, housing provident fund loans can be entrusted to others?

Because different cities have different policies, you can directly confirm whether there is provident fund loan business and related business regulations in your area!

Four, housing provident fund loans can be entrusted to others.

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Provident fund loan conditions:

1. Have legal and valid identity documents;

2. The deposit status is normal, the provident fund has been paid in full for more than 6 months (inclusive) and the credit is good;

3. Have a stable income and the ability to repay loans;

4. Have a legal and effective purchase contract or agreement or the "Property Ownership Certificate" issued by the real estate administrative department;

5. For the purchase of housing, the down payment of not less than 30% of the total price of the purchased housing has been paid;

6 construction, renovation and overhaul of houses, can pay 30% of the total cost of construction, renovation and overhaul of houses;

7. The construction and renovation of houses shall be based on the approval documents of the planning and land management departments;

8 overhaul housing, approved by the planning and management department;

9. Being able to provide effective guarantee recognized by the management center;

10. Other conditions stipulated by relevant laws, regulations and policies.