Beijing provident fund loan application requires the following five steps:

1. The borrower submits a written application to the bank, fills in the housing provident fund loan application form and provides the following information:

< p>(1) Proof of housing provident fund payment of the applicant and his/her spouse;

(2) Identity certificate of the applicant and his or her spouse (such as resident ID card, permanent residence booklet and other valid residence documents), marriage status certificate Documents;

(3) Proof of the applicant’s family income and other proof of the applicant’s repayment ability;

(4) Valid supporting documents such as house purchase contracts and agreements;

(5) Collateral used for security, list of pledges, certificate of ownership, proof of consent of the person with disposal rights to mortgage and pledge, and collateral valuation certificate issued by the relevant department;

< p>(6) The Provident Fund Center requires a third-party guarantor to provide a guarantee and pay the guarantee fee, and the borrower, lender and third-party guarantor must sign a three-party contract;

(7) Other information required by the Provident Fund Center.

2. The bank will review the applicant and submit it to the Provident Fund Center.

3. The Provident Fund Center will approve the loan and notify the bank of the approval results in a timely manner.

4. The bank will notify the applicant to handle the loan procedures based on the approval results of the Provident Fund Center. The borrower and his wife will sign a loan contract and related contracts or agreements with the bank, and submit the loan contract and other procedures to the Provident Fund Center for review. , the provident fund center will allocate the entrusted loan fund after approval, and the entrusted bank will issue the loan in full and on time according to the loan contract.

5. If the guarantee is in the form of a housing mortgage, the borrower must go to the housing property rights management department in the area where the house is located to handle the real estate mortgage registration procedures. If the mortgage contract or agreement is signed by both husband and wife, and the mortgage is pledged with securities, The borrower will hand over the securities to the management department or alliance center for safekeeping.

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