To apply for housing provident fund loans, users must first determine whether they are qualified to apply for housing provident fund loans. Provident fund loans have many requirements for applicants, such as the time for users to pay the provident fund, the balance of the provident fund account, and the number of properties under their names. Users need to check whether they meet the conditions of provident fund loans according to the requirements of the provident fund center.
Second, the user initiates a loan application to the provident fund center and submits relevant materials.
If the user meets the conditions of provident fund loan, then the user can apply for a loan from the provident fund center. There are fixed requirements and templates for provident fund loan applications. Users also need to provide relevant materials needed for provident fund loans, and the provident fund center will review them according to the relevant materials provided by users.
Three, after the approval of the provident fund center, signed a loan contract.
After the user's provident fund loan is approved, it is necessary to sign a loan contract and related agreements with the provident fund center. After the approval of the provident fund loan, the user needs to sign a loan contract with the provident fund center to stipulate the relevant factors of the loan, including the loan amount, loan interest rate, loan term, and responsibilities of both parties.
Fourth, go through the formalities of real estate mortgage registration.
After signing the loan contract, the user needs to go to the local real estate registration authority for mortgage registration, and the user needs to go to the site to go through the relevant procedures. The mortgage procedure of real estate is very important for the provident fund center. If the user's property has not gone through the mortgage registration formalities, the possibility of issuing loans by the provident fund center will increase.
Fifth, the provident fund center entrusts the entrusted bank to issue loans.
When the user completes the mortgage registration formalities, he begins to enter the final lending process, and the provident fund loan is issued by the bank entrusted by the provident fund center. The provident fund center itself has no function of issuing loans, so it entrusts a special bank to issue provident fund loans.