1, business consulting. Due to the differences in loan business in different cities, employees should consult the provident fund management core of their city when handling loan business in different places, and the provident fund management core will inform the loan review materials at one time.

2. Submit an application. Employees themselves or their clients apply to the urban provident fund deposit core, which verifies the loans paid by employees according to their applications, and issues certificates for the employees who have never used the housing provident fund or whose first housing provident fund loan has been settled.

3. Verify the information. After accepting the employee's application for off-site loan, the core of the loan city provident fund shall verify the authenticity and completeness of the information in the use certificate of the employee's housing provident fund for off-site loan. If it is verified to be correct, it shall go through the loan examination and approval procedures within the prescribed time limit and feed back the results to the core of the deposit city provident fund. The core of urban provident fund deposit is to identify employees' loans in different places and establish a detailed account of employees' loans in different places.

4. Identify and record the loan situation. During the repayment period of employee loans paid in different places, if the personal account of housing provident fund is transferred, the core of the original urban provident fund deposit shall promptly inform the core of the loan urban provident fund and the core of the transfer urban provident fund. After receiving the employee housing provident fund account, the core of urban provident fund should re-identify and record the loan situation in different places in time.

5. Repay the loan. When loans overdue is in a different place, the core of urban provident fund deposit should cooperate with the core of loan urban provident fund to carry out loan collection and other work, and according to the loan contract, deduct the balance of loan employee provident fund account to repay the loan.

Applying for provident fund loans to buy a house should not only meet the conditions of commercial loans, but also pay attention to the requirements of provident fund loans for individual provident fund accounts. At present, many cities require borrowers to pay the provident fund in full for more than 6 months (inclusive) continuously, and the provident fund account is in the state of payment before they can apply for provident fund loans. However, different cities have different regulations, and some cities require borrowers to pay provident fund for more than 12 months (inclusive), depending on the regulations of relevant local departments. Some property buyers give up using provident fund loans because the amount of provident fund loans is low and cannot meet their own loan needs. Indeed, the amount of provident fund loans is also limited. Therefore, some property buyers need to use the combination of "commercial loans+provident fund loans" to achieve the loan amount they need, but it is also more economical than using all commercial loans.

legal ground

Regulations on the Administration of Housing Provident Fund (revised on 20 19)

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Twenty-seventh applicants for housing provident fund loans shall provide guarantees.