Like the relevant provisions of local provident fund loan application, railway provident fund loans also have certain requirements. Only when the following conditions are met can you apply for a loan.
The railway provident fund loan conditions are as follows:
1. The borrower and spouse have no outstanding housing provident fund loans, and there are no outstanding debts that may affect the repayment of provident fund loans;
2. Employees hold legal identity documents and have full capacity for civil conduct;
3. Agree to provide guarantee by mortgage loan of purchased house, or by national debt, bank time deposit certificate, securities and other means recognized by railway sub-centers;
4. The railway system self-run houses purchased by employees are primary houses with clear ownership, complete legal procedures and no legal disputes;
5 have a stable economic income and the ability to repay the principal and interest of provident fund loans on time;
6. The employees and their spouses have good credit records, which meet the auditing standards for provident fund loans.
Then, what is the loan process of railway provident fund? Today, Bian Xiao will share it with you.
The specific process of railway provident fund loans is as follows:
1. Submit a written loan application and related materials.
After determining the eligibility of railway provident fund loan, submit the loan application and the required information. You can apply directly to the relevant departments or hand it over to the bank.
2. Sign loan contracts and guarantee contracts.
If the application is passed, the loan contract and guarantee contract will be signed next. At this time, you may need to open a bank card of the relevant bank.
3. Handle mortgage loans and other related procedures.
Next, you need to go to the bank for mortgage registration, contract notarization and home insurance. These processes can be done according to the requirements of the staff, and the difficulty is not great.
4. Open an account and transfer money
The bank will open an account according to the contract requirements and transfer the loan funds to a special account.
5. Repay as promised
According to the repayment plan and repayment method agreed in the loan contract, the borrower entrusts the bank to deduct money by stages or go to the bank counter to repay the principal and interest of the provident fund loan on schedule.
6. Loan settlement
The bank issues the Loan Settlement Certificate for the borrower, and the borrower retrieves the mortgage registration certificate and other documents, and goes to the original mortgage registration department for mortgage registration cancellation.
The above are the requirements and loan process of railway provident fund loan shared by Bian Xiao. There may be various minor problems in the actual loan process, which need to be solved patiently.
(The above answers were published on 20 15- 12-28. Please refer to the actual purchase policy. )
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