Nanchang provident fund loan application process is the application of loan applicants. Then the real estate development company pre-accepts, the provident fund center approves the loan, the qualified entrusted loan bank signs the loan, the provident fund center allocates funds, and the entrusted loan bank issues the loan. Regarding the application process of Nanchang Provident Fund loan, the following is a detailed answer from Bian Xiao. 1. How to handle Nanchang provident fund loan 1? The loan applicant applies; 2. Pre-acceptance of real estate development enterprises; 3, provident fund center loan approval; 4. Signature of the entrusted loan bank loan; 5. Funds allocated by the Provident Fund Center; 6. Entrusted loan bank loan. Ii. Conditions for handling Nanchang Provident Fund loan 1. In accordance with the "Regulations on the Management of Housing Provident Fund", employees who have paid housing provident fund in Jiangxi Housing Security and Provident Fund Management Center may apply for housing provident fund loans when they have insufficient funds to purchase self-occupied housing in Nanchang; 2. Have a valid ID card and household registration certificate, and have full capacity for civil conduct; 3. Good personal credit (subject to the Personal Credit Report collected by the People's Bank of China); 4. When applying for a loan, the housing provident fund must be paid in full and continuously for more than 6 months (inclusive) and the provident fund account is in a normal state; 5. Have a stable economic income and the ability and willingness to repay the loan principal and interest on schedule; 6. Having assets recognized by the management center as collateral; 7. Stop issuing housing provident fund personal housing loans for the purchase of third and above houses. Three. Nanchang provident fund loan processing materials 1, and * * * credit commitment letter on loan application and repayment and other related matters; 2. Purchase contract; 3. proof of down payment; 4. Credit report; 5. The lender's account books; 6. Lender's ID card; 7. Guarantee contract for housing provident fund loans of employees in Jiangxi provincial units; 8. Lender's marriage certificate. 4 Nanchang provident fund loans shall be handled in accordance with Article 26 of Chapter IV of the Regulations on the Management of Housing Provident Fund (DecreeNo. 350th of the State Council of the People's Republic of China). 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. Measures for the Administration of Housing Provident Fund in Jiangxi Province (OrderNo. Jiangxi Provincial People's Government [9 1] Article 25 When employees who have paid housing provident fund purchase, build, renovate or overhaul their own houses, they may apply to the housing provident fund management center for housing provident fund loans. It is still difficult for us to apply for provident fund loans, and we need to meet many conditions. Only when these conditions are met can we get provident fund loans, and the amount of provident fund loans is limited. I hope the above content can help you. If you have other legal problems, you can consult online.
Legal objectivity:
Interim Measures for the Administration of Personal Loans
Article 11
Personal loan application shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.