Process of provident fund loan
Submission of materials:
When the borrower applies for provident fund loan at the management department of the provident fund management center where he has paid the provident fund, if he chooses the guarantee center to provide guarantee, he shall submit all the materials required for personal loan application, including the personal and spouse's ID card, household registration book, marriage certificate, divorce certificate, proof of down payment for house purchase, house purchase contract, proof of housing provident fund deposit, etc.
issuance of the notice of examination and approval of the guarantee application:
after the loan application has passed the preliminary examination, the management department will issue the notice of examination and approval of the guarantee application, print the loan contract, mortgage (counter-guarantee) contract and other relevant legal documents, and submit all personal loan information to the guarantee center.
Approval of guarantee application:
The guarantee center will review the guarantee application, and if the borrower meets the guarantee conditions, the guarantee center will issue a Letter of Approval for Guarantee Application; If the borrower entrusts an intermediary agency to handle the provident fund loan, the agency shall be responsible for the guarantee application procedures and collect the guarantee service fee. (Note: The agency intermediary must have the qualification certification of Beijing Housing Provident Fund Management Center and sign a cooperation agreement with the guarantee center. )
Payment:
The borrower shall pay the guarantee service fee according to the Approved Opinion on Guarantee Application. The guarantee center shall issue an invoice for the guarantee service fee, and affix the official seal of the guarantee center to the legal documents such as Loan Contract, Mortgage (Counter-guarantee) Contract and Custody Contract that have been approved.
Transfer of materials:
The approved personal loan application materials (including the sealed contract) will be transferred from the guarantee center to the housing provident fund management department; If an intermediary agency is entrusted, the intermediary agency shall be responsible for the transmission of the above information.
signing the contract:
the housing provident fund management department supervises and guides the loan applicant to sign the loan contract, mortgage (counter-guarantee) contract and other relevant legal documents.