1. CITIC Bank provident fund loan operation process
Legal analysis: The detailed process of CITIC Bank housing provident fund loan is as follows:
1. First, the borrower must go to CITIC Make an appointment to withdraw your provident fund on the bank's official website in advance. You can use your own provident fund card and ID number to go there.
2. After the appointment is successful, the applicant’s relevant information needs to be submitted to the Housing Provident Fund Management Center for confirmation.
3. After reviewing the borrower’s information, the Provident Fund Management Center will notify CITIC Bank of the results.
4. CITIC Bank can sign a loan contract with the borrower. The provident fund loan contract is signed by both husband and wife and the bank ***.
5. After CITIC Bank signs the loan contract with the borrower, it needs to send the loan contract and related procedures to the Housing Provident Fund for review again.
6. After the provident fund management center’s review results are available, the provident fund funds can be transferred to the bank, and CITIC Bank can issue provident fund loans to the borrowers.
Legal basis: Article 26 of the "Housing Provident Fund Management Regulations" Employees who have paid housing provident funds may apply for housing provident funds from the Housing Provident Fund Management Center when purchasing, constructing, renovating, or overhauling their own homes. loan. The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures. The risks of housing provident fund loans are borne by the housing provident fund management center.
2. How to operate CITIC Bank provident fund online loan
CITIC Bank online provident fund application process:
Present the housing provident fund payment voucher card, ID number and password Enter a provident fund window and follow the prompts
1. Select withdrawal
2. Whether to withdraw your spouse’s provident fund
3. Verify spouse information
IV.
V. Generate website pre-application
VI. Bring the pre-application number and required paper materials to the Municipal Housing Provident Fund Management
Conditions required for online application to withdraw housing provident fund
First, the employee housing provident fund has not been frozen;
Second, the housing provident fund must be withdrawn to repay the loan for one year and can only be withdrawn once or Housing provident fund loan;
To repay the loan, the maximum withdrawal amount cannot exceed one year to repay the total principal and interest of the loan and the balance of the principal and interest of the loan.
3. CITIC Bank provident fund loan operation process
The detailed process of CITIC Bank housing provident fund loan is as follows: 1. First, the borrower must go to the official website of CITIC Bank to make an appointment to withdraw the provident fund. You can use your own Go to the provident fund card and ID number. 2. After the appointment is successful, the applicant's relevant information needs to be submitted to the Housing Provident Fund Management Center for confirmation. 3. After reviewing the borrower’s information, the Provident Fund Management Center will notify CITIC Bank of the results. 4. CITIC Bank can sign a loan contract with the borrower. The provident fund loan contract is signed by both husband and wife and the bank ***. 5. After CITIC Bank signs the loan contract with the borrower, it needs to send the loan contract and related procedures to the Housing Provident Fund for review again. 6. After the provident fund management center’s review results are available, the provident fund funds can be transferred to the bank, and CITIC Bank can issue provident fund loans to the borrowers.
4. What is the process for CITIC Bank’s online provident fund application?
CITIC Bank's online provident fund application process: Use the housing provident fund deposit voucher card, ID number and password to enter the personal information page, enter the pre-application withdrawal window for housing provident fund, and follow the prompts. The specific process is: 1. Select the reason for withdrawal 2. Whether to withdraw the spouse’s provident fund 3. Verify the spouse’s information 4. Check the required information 5. Generate a website pre-application 6. Bring the pre-application number and required paper materials to the counter of the Municipal Housing Provident Fund Management Center for confirmation handle.
The conditions required for online application to withdraw the housing provident fund are: first, the employee housing provident fund has not been frozen; second, the housing provident fund must be withdrawn to repay the loan and can only be withdrawn once; third, the housing provident fund must be withdrawn to repay the loan, which can be used to repay commercial housing loans Or a housing provident fund loan; fourth, if the housing provident fund is withdrawn to repay the loan, the maximum withdrawal amount cannot exceed one year to repay the total principal and interest of the loan and the balance of the principal and interest of the loan.