Do provident fund loans have loan contracts?

Provident fund loans do have loan contracts. Provident fund loan is a type of bank housing loan. Compared with ordinary commercial housing loans, the difference is only in the form of loan guarantee. The housing provident fund housing loan means that the housing provident fund management center uses the housing provident fund in the region as a guarantee for the housing loan. When the bank cannot collect the loan when it expires, the housing provident fund management center will first pay the principal and interest of the loan to the bank. "Regulations on the Administration of Housing Provident Fund" Employees can withdraw the balance in their housing provident fund account if they have any of the following circumstances: 1. Purchase, build, renovate or overhaul a self-occupied house; 2. Retire or retire; 3. Completely lose their labor ability, and terminate the labor relationship with the unit; 4. Settling abroad; 5. Repaying the principal and interest of self-occupied housing loans; 6. Renting a house for self-occupation; (The employee and his spouse do not own their own housing in Beijing and rent public housing* **If you rent a house or commercial house, you can withdraw the housing provident fund of both spouses to pay the rent.) 7. Those who have difficulty living and are receiving urban minimum living allowance; 8. Those who encounter emergencies that cause serious difficulties in family life; 9. Going to the city. Migrant workers who have terminated their labor relationship with the unit; 10. were sentenced, sentenced or have reached the national statutory retirement age during the period of employment; 11. died or were declared dead; employees comply with Article 4 1, 5, 6 of these Measures If the housing provident fund is withdrawn in situations 7 and 8, the spouse can withdraw the housing provident fund from his/her account at the same time.

What is the mortgage contract mentioned by the Provident Fund?

The mortgage contract is signed between the mortgagee (usually the creditor) and the mortgagor (which can be either the debtor or a third party) A contract of a guaranteed nature. The mortgagor sets a mortgage guarantee with a certain property (either real estate or movable property) to the mortgagee. When the debtor is unable to perform the debt, the mortgagee can be repaid first with the proceeds from the disposal of the mortgaged property in accordance with the law. Housing provident fund loan mortgage contracts are printed in standard format by local housing provident fund management centers or provident fund loan undertaking banks. Just fill in the relevant content as required in the blank columns in the text, and then all parties to the contract sign and seal. By fingerprinting, there is no need to write a separate written contract.

Legal basis:

"The People's Republic of China and the Civil Code"

Article 386: If the debtor fails to fulfill its due obligations, the security holder shall In the event of a debt or the realization of the security rights as agreed by the parties, the party shall have priority in receiving repayment of the secured property in accordance with the law, except as otherwise provided by law.

Article 394: In order to guarantee the performance of a debt, the debtor or a third party does not transfer the possession of the property and mortgages the property to the creditor, the debtor fails to perform the due debt or the fulfillment of the agreement between the parties occurs. In the case of a mortgage, the creditor has the right to receive priority in payment of the property. The debtor or third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property providing guarantee is the mortgaged property.

House Purchase Provident Fund Loan Contract

Provident Fund Loan has a loan contract. Whether you are applying for a housing provident fund loan or a personal housing loan, you are required to sign a housing loan contract, and the contract for applying for a housing provident fund loan is a third-party banking institution entrusted by the housing provident fund management center.

Legal Basis

Article 26 of the "Housing Provident Fund Management Regulations"

Employees who pay housing provident funds shall not When living in housing, you can apply for a housing provident fund loan from the Housing Provident Fund Management Center.

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.

Article 27

Applicants applying for housing provident fund loans shall provide guarantees.

What does a provident fund loan contract look like

Principal (Party A):

Trustee (Party B):

Party A According to relevant regulations, Party B is entrusted to issue housing provident fund loans to ____________________ (hereinafter referred to as the borrower). Party B agrees to accept Party A's entrustment. Party A and Party B enter into this contract by consensus through consultation in compliance with relevant national laws and regulations.

Article 1 Party A entrusts Party B with RMB funds (in capital letters)________ to be released and recovered from the borrower in accordance with the housing provident fund loan procedures.

Article 2 If Party A entrusts Party B to issue housing provident fund loans, it should open a special deposit account in Party B’s business department and deposit the RMB funds (in capital letters)________ in one lump sum into the special account within three days after this contract takes effect. used for loan disbursement.

Article 3 The object, amount, type, purpose, term, interest rate, withdrawal and repayment method of the housing provident fund loan shall be determined by Party A according to the specific circumstances within the scope of relevant national laws. Determined in the "Housing Provident Fund Loan Notice".

Article 4 After this contract takes effect, when issuing a housing provident fund loan to the borrower, Party A shall submit a "Housing Provident Fund Loan Notice" to Party B. After receiving the "Housing Provident Fund Loan Notice" and the attached information submitted by Party A, Party B shall issue a housing provident fund loan in accordance with the requirements of the "Housing Provident Fund Loan Notice".

Article 5 Before granting a housing provident fund loan to the borrower, Party B shall sign the "Central State Organ Housing Provident Fund Loan Contract" with the borrower, and shall take effect after the "Central State Organ Housing Provident Fund Loan Contract" An original copy of the contract will be sent to Party A for retention within the next two days.

Article 6 If the loan loss is caused by reasons other than Party B, Party B shall not be liable for compensation.

Article 7 For housing provident fund loans under this contract, Party A shall require the borrower to provide guarantee. The guarantee method, guarantor and collateral (pledge) shall be reviewed and approved by Party A, and shall be specifically determined in the "Housing Provident Fund Loan Notice".

Article 8 If the borrower fails to use and repay the principal and interest of the loan as stipulated in the "Housing Provident Fund Loan Contract for Central State Agencies", Party B may impose necessary sanctions on the borrower in accordance with relevant bank regulations.

Article 9 Interest and handling fees. Housing provident fund loan interest is collected from the borrower by Party B and is settled monthly. Party B shall transfer the loan interest to Party A's account on the same day after collecting the interest. If the state adjusts interest rates, Party A shall handle interest rate adjustment procedures in accordance with state regulations. The handling fees charged by Party B for issuing housing provident fund loans shall be paid in accordance with the agreement signed by Party A and Party B.

Article 10 Party B shall transfer the full amount of the loan to Party A's account on the same day after each recovery of the loan.

Article 11 The extension of the housing provident fund loan shall be handled with written notice from Party A.

Article 12 After this contract comes into effect, neither Party A nor Party B may change or terminate it without authorization. When it is necessary to change the terms of this contract or terminate this contract, both parties shall reach a written agreement through consultation.

Article 13 Liability for breach of contract

1. Party A fails to deposit the agreed funds into the special account as scheduled in accordance with Article 2 of this contract, or exceeds the total deposit requirements of the special account If it issues housing provident fund loans, or violates the provisions of Articles 3 and 4 by failing to submit relevant information to Party B, and Party A and Party B have not reached an agreement to change the above terms, Party B may refuse to issue housing provident fund loans and, depending on the circumstances, require Party A to The party pays a penalty of 5% of the total loan amount.

2. If Party B fails to issue housing provident fund loans according to the loan objects specified in this contract and the "Housing Provident Fund Loan Notice", Party A may require Party B to pay liquidated damages of 5% of the total loan amount, resulting in loan losses. Party B shall also be liable for compensation.

3. If Party B violates Article 11 of this contract and extends the loan for the borrower without authorization, Party B shall pay Party A a penalty of 5% of the balance of the extended loan. Party A may also require Party B to recover the extended housing provident fund loan within a time limit. After the liability for breach of contract is clear, the breaching party should take the initiative to pay liquidated damages.

Article 14 If there is any inconsistency between matters not covered in this contract and the "Housing Provident Fund Business Fees and Incentive Funds Payment Agreement" signed with Party A and Party B, the "Housing Provident Fund Business Fees and Incentive Funds Payment Agreement" shall be used. "Agreement" shall prevail, and relevant procedures shall be handled in accordance with the "Operating Procedures for Housing Provident Fund Loans of Central State Agencies".

Article 15 Dispute Resolution

Disputes arising between Party A and Party B during the performance of this contract shall be resolved by negotiation or mediation between the parties. If negotiation or mediation fails, you may apply for arbitration to the people at the place where the contract was signed, or to the contract arbitration institution at the place where the contract was signed.

Article 16 Matters not covered in this contract shall be implemented in accordance with the relevant national laws, regulations and financial regulations.

Article 17 This contract shall take effect from the date it is signed by the legal representatives or authorized signatories of Party A and Party B and stamped with the official seal of the unit, and shall become invalid after Party A’s housing provident fund loan is fully recovered.

Article 18 The "Housing Provident Fund Loan Notice" and other information required by Party B from Party A are all integral parts of this contract.

Article 19 This contract is made in two copies, with Party A and Party B each holding one copy.

Party A: Party B:

Legal representative: Authorized signatory:

Year month day year month day

Bank loan , refers to an economic behavior in which banks lend funds to those in need of funds at a certain interest rate in accordance with national policies and agree to return them within a time period. Generally, you are required to provide a guarantee, house mortgage, or proof of income, and have a good personal credit report before you can apply.

Moreover, in different countries and in different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, project loans, etc., while industrial and commercial loans in the United Kingdom mostly take the form of bill discounts, credit accounts, and overdraft accounts.

Bank loan refers to an economic behavior in which an individual or enterprise lends funds to a bank at a certain interest rate to individuals or enterprises in need of funds in accordance with the policies of the country where the bank is located, and repays the funds within an agreed period.

Loan Tips

Nowadays, more and more people born in the 80s and 90s are taking out loans to buy houses and cars. Suddenly, the loan business provided by banks has become the "new favorite" of the times. However, it is still a bit difficult to successfully obtain a loan from a bank, and it is even more difficult to obtain a loan during certain periods of time. Below I will share with you a few tips for successful loans, hoping to help more people successfully obtain loans.

1. Reasons for borrowing: During the process of applying for a loan, the borrower should be frank and clear about the reasons for the loan, and write down in detail the purpose of the loan and the personal advantages in repaying the loan. For example: good personal credit record.

2. Borrowing amount: The amount of the loan the borrower applies for at the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what the lender wants. They are sure You don’t want your loan funds to be disbursed within half a month. If the loan applied for by the lender is relatively large, it is recommended that you reduce the loan amount appropriately, so that your chances of passing the bank's review will be greatly increased.

3. Loan description: Fill in the application information in detail, including the purpose of the loan, personal credit record, source of income, repayment ability, family income, etc. To ensure that your loan can be repaid on time no matter when, where or what the situation is.

4. Loan repayment: After the borrower successfully applies for a loan, he must repay the loan within the specified time. Do not take chances and delay the repayment time, thereby causing a bad personal credit record. In addition, relevant departments will also make every effort to recover loans that are in arrears.

This is the end of the introduction to what a provident fund loan contract is.