The handling of provident fund loans is as follows: the borrower applies for a loan at the loan bank and submits relevant materials; After accepting the application, the bank will review and send the borrower's application materials to the local housing provident fund management center; The provident fund management center has been approved and notified to the handling bank; Sign loan-related contracts, handle mortgage registration procedures at the same time, and send the loan contract to the provident fund management center for review; Review loans issued by banks as required.
legal ground
Article 25 of the Regulations on the Management of Housing Provident Fund
If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.
Article 27
Applicants who apply for housing provident fund loans shall provide guarantees.
skill
The above answer is only for the current information combined with my understanding of the law, please refer carefully!
If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.
Detailed explanation of provident fund loan process
The process of handling housing provident fund loans is:
1. Employees who have paid the housing provident fund shall apply to the housing provident fund management center;
2. The housing provident fund management center shall, within 15 days from the date of accepting the application, make a decision on whether to grant or not to grant the loan, and notify the applicant that if the loan is granted, the entrusted bank shall go through the loan formalities;
3, the applicant to apply for housing provident fund loans, should provide a guarantee.
legal ground
Article 26 of the Regulations on the Management of Housing Provident Fund
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.
Article 27
Applicants who apply for housing provident fund loans shall provide guarantees.
skill
The above answer is only for the current information combined with my understanding of the law, please refer carefully!
If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.
Provident fund loan process, required information and processing time
First, the steps for housing provident fund loans
1. The borrower can submit a written loan application and related materials to the loan bank, which will submit it to the housing provident fund management department for approval, or directly apply to the housing provident fund management department for approval;
2. The borrower approved by the housing provident fund management department signs a loan contract and a guarantee contract with the loan bank, and handles mortgage registration, insurance, notarization and other related procedures;
3. According to the loan contract, the loan bank will transfer the loan to the special account for house sales set up by the developer in the loan bank or directly to the deposit account opened by the borrower in the loan bank;
4. The borrower opens a repayment account in the loan bank and repays the loan principal and interest on schedule according to the repayment method and repayment plan agreed in the loan contract;
5. After the loan is settled, the borrower obtains the Loan Settlement Certificate from the loan bank, retrieves the mortgage registration certificate and the original insurance policy, and goes through the mortgage registration cancellation formalities at the original mortgage registration department.
2. How long does it take to apply for housing provident fund loan approval?
It takes 65,438+08-65,438+09 working days from the time when the borrower applies for a housing provident fund loan from the loan bank with relevant information. These include:
The loan application (fill in the housing provident fund loan application form) is completed on the same day;
(2) The bank shall conduct pre-loan review, and report to the municipal housing provident fund management center for review after approval, which shall be completed within 2 working days.
(3) The municipal housing provident fund management center will review the loan and complete it within 1 working day.
(4) After approval, the loan bank signs a loan contract with the borrower, which will be completed within 2 working days.
⑤ If the guarantee is selected, the guarantee company shall handle the counter-guarantee mortgage procedures and complete them within 6 working days; If mortgage guarantee is selected, the borrower shall go through the mortgage insurance procedures and complete them within 7 working days; Where a pledge guarantee is selected, the bank shall go through the pledge formalities.
The loan bank will submit the borrower's information to the municipal housing provident fund, which will be completed within 2 working days.
All landowners city housing provident fund management center approval of loan materials, completed within 3 working days.
⑧ The borrower goes to the loan bank to handle the transfer formalities, which will be completed within 1 working day.
Provident Fund loan process
The provident fund loan process is as follows:
1. The borrower submits personal application materials to the bank window of the loan service hall, which will be accepted and reviewed by the bank, and then submitted to the center for review.
2, the center for examination and approval, agreed to loan, guarantee company review, go through the guarantee formalities, pay the guarantee fee.
3. The borrower returns to the bank window to sign the loan contract, go through the notarization formalities at the notarization window and pay the notarization fee.
4. Wait for the bank's notice, get the loan contract and loan voucher, and start repayment according to the contract.
First, make full use of the provident fund loan amount.
Provident fund loan is a preferential loan policy supported by the state. As long as the loan conditions are met, the provident fund loan amount should be used as much as possible. From the perspective of investment and financial management, loans to buy a house should maximize the use of provident fund loans. After 20 12, some cities relaxed the conditions of provident fund loans, and lenders should pay close attention to the changes of relevant local policies in time.
Second, use the service life of the provident fund.
Because the interest rate of provident fund loans is lower than that of commercial loans, it is necessary to reasonably set a longer term of provident fund loans and a shorter term of commercial loans in portfolio loans. If the husband and wife are about the same age, the husband can be a lender and apply for a loan for a longer time; If there is a big age gap between husband and wife, let the younger one be the lender and apply for a provident fund loan with a longer term.
Third, reasonably determine the order of provident fund loans.
If you buy the first suite, you can fully enjoy the preferential interest rate policy of provident fund loans in the order of first provident fund loans and then commercial loans. For investors who want to buy a second suite, first buy the first suite with commercial loans, and then use provident fund loans to save interest expenses.
Fourth, reasonably determine the repayment amount.
The repayment method of provident fund loans is extremely flexible. As long as the monthly repayment amount is not lower than the "minimum repayment amount", the borrower can determine the repayment amount at will, but the repayment amount should be determined reasonably to avoid excessive pressure on the final repayment.
Fifth, offset the most economical interest rate at one time.
For buyers who have a large balance in the provident fund account and have little pressure on cash expenditure at the initial stage of the loan, they can choose to use all the balance in the provident fund account to offset the loan principal. In this way, the repayment amount of interest will show a decreasing trend, which can help buyers save a considerable amount of money.
Sixth, flexible use of provident fund.
In addition to loans, the provident fund can also be used for the purchase, construction, renovation and overhaul of self-occupied housing. The interest on the provident fund is relatively low. If you don't withdraw, you can only get it when you retire, so try to play its due role.
What are the procedures for running provident fund loans?
At present, most people choose mortgage loans to buy houses, but there are several kinds of loans, among which the interest of provident fund loans is the least, but many people are very unfamiliar with the process of provident fund loans, so today Bian Xiao will share with you the process of running provident fund loans.
1. What are the procedures for handling provident fund loans?
1. Go to the local provident fund management center first and fill in three provident fund loan application forms.
2. The original and three copies of the household registration book, ID card and marriage certificate of the borrower and spouse. Singles need to provide the original and three copies of the single certificate or divorce certificate issued by the Civil Affairs Bureau.
3. It is necessary to have three legal and valid originals of the house purchase contract, three copies of the developer's business license, the pre-sale permit of commercial housing, the sales permit of commercial housing, the certificate of completion acceptance and the certificate of big house.
4. If mortgage or pledge guarantee is involved, three originals and photocopies of the mortgage or pledge right certificate are required, and three originals of the written certificate that the disposition right holder agrees to mortgage are also required.
5. If the loan needs to be secured, the guarantor must issue three originals of written proof of consent to the guarantee, and also provide the ability proof materials issued by the guarantor, such as business license, financial statements for the last three years, qualification grade certificate, etc. Credit rating certificate and other three copies.
6. The borrower has paid the total house price. For the down payment above the specified proportion, payment orders, invoices, receipts, bank statements, cash payment orders, etc. are required. , original and three copies.
7. After the above documents are ready, bring my household registration book and ID card to the local provident fund management center for loan procedures. There are more than two people in the property right, and they must be present at the same time.
Bian Xiao: The above is an article shared by Bian Xiao today. What are the procedures for running provident fund loans? I hope the article shared by Bian Xiao can help everyone.
What are the loan processes of the new housing provident fund?
Due to the rising house prices in recent years, many buyers will choose loans when buying a house, and some of them will choose provident fund loans. However, many people do not know much about the handling process of provident fund loans. Here is a detailed introduction to the handling process of the new housing provident fund loan. Friends who are ready to apply for provident fund loans may wish to know in advance.
1. The provident fund loan applicant shall submit the application materials such as the household registration book of himself and his spouse to the local provident fund management department. Id card, marriage certificate, down payment invoice, house sales contract, etc. , and the materials required for the guarantee application.
2. After receiving the materials, the Provident Fund Management Department will conduct a preliminary review of the materials. After the preliminary examination is passed, legal documents such as the Notice on Examination of Guarantee Application will be issued, and the applicant's personal loan information will be handed over to the guarantee center.
3. After receiving the personal loan information of the applicant, the guarantee center will review the personal loan information. If the applicant meets the guarantee conditions, the guarantee center will issue a guarantee application approval letter. In addition, when the applicant entrusts an intermediary company to handle the provident fund loan, the guarantee service fee is paid by the agency intermediary company.
4. After the applicant has passed the audit of the guarantee center, he shall pay the guarantee service fee as required. After the payment, the guarantee center will hand over the applicant's information to the provident fund management department. At this time, the applicant needs to sign a loan contract and other relevant legal documents, and the process of handling provident fund loans is completed after signing. If it is an intermediary company handling provident fund loans, the intermediary company is responsible for the transmission of the above information.
Summary: The relevant contents of the new housing provident fund loan process are introduced here. I believe that everyone has a deeper understanding of the handling process of provident fund loans. Provident fund loans can only be handled by applicants with certain conditions. If you have many questions about provident fund loans, you can go to the local provident fund management center for detailed consultation!
The introduction of provident fund loan guarantee process ends here.