Preliminary examination: The Housing Provident Fund Center conducts a preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount and loan period. After passing the preliminary examination, the housing provident fund center will issue a notice of mortgage review and evaluation.

Appraisal: The applicant takes the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Housing Provident Fund Center to appraise the value of the purchased house.

3. Audit: The applicant shall go to the Housing Provident Fund Center for loan audit with the appraisal report issued by the appraisal institution and the preliminary examination materials required by the Housing Provident Fund Center. After passing the qualification examination, the Housing Provident Fund will issue the Notice of Investigation on the Entrusted Loan Guaranteed by the Housing Provident Fund Management Center.

4. Handling guarantee procedures: The applicant holds the Notice of Investigation on Entrusted Loan Guaranteed by Housing Provident Fund Management Center and handles guarantee procedures according to the guarantee method he chooses.

5. Sign a loan contract:

(1) The Housing Provident Fund Management Center signed an entrusted loan agreement with the entrusted bank.

(2) According to the entrusted loan contract, the entrusted bank shall go through the loan formalities after signing the Mortgage Contract for Housing Provident Fund Entrusted Loan, the Pledge Contract for Housing Provident Fund Entrusted Loan and the Guarantee Contract for Housing Provident Fund Entrusted Loan with the borrower respectively.

6. The entrusted bank directly transfers the loan to the designated account opened by the seller in the entrusted bank.

Materials submitted by the applicant:

Valid identity documents and household registration books of the applicant and spouse.

2. Marriage certificate

3. Purchase contract

4. Loan application form

5 units issued by the housing provident fund deposit certificate, proof of wage income.

6. Deposit receipt

After the repayment is started, a short message will be sent every month to remind you of the amount and date of repayment, and the borrower can deposit the amount into the designated bank account on time. The borrower can also use the provident fund to repay the loan.

The borrower repays the loan normally on a monthly basis, but can withdraw the provident fund of himself and his spouse every year, and the withdrawal amount cannot exceed the total repayment amount of the previous year.

When signing the loan agreement, choose "repayment several months in advance" loan, that is, the loan bank withdraws the provident fund from the borrower's and spouse's provident fund accounts every month to offset the monthly repayment amount, and the borrower deposits the remaining amount into the designated bank account on time.

Letter of credit clause

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

The basic conditions for applying for housing provident fund housing loans mainly include three aspects: loan object, loan purpose and basic conditions for housing loans.

References:

Housing provident fund loans-Baidu Encyclopedia?