What is the loan policy of provident fund in different places?
The first is to ensure that the loan policy in different places is in place. The urban housing provident fund management center (hereinafter referred to as the provident fund center) that has not yet carried out off-site loan business should pay close attention to the introduction of working rules and carry out off-site loan business before the end of June 65438+February. The provident fund center that has carried out off-site loan business shall maintain the continuity and stability of the policy and shall not suspend off-site loan business. Due to the shortage of local funds, loans need to wait, and employees who borrow from different places have to wait with local employees.
Two, clear off-site loan conditions. Deposit of urban provident fund center should carefully verify the number of employees' deposits and loans, and issue the certificate of deposit and use of housing provident fund for employees who have not used housing provident fund personal housing loans or used personal housing loans for the first time (hereinafter referred to as the certificate of deposit and use). For employees who use housing provident fund personal housing loans (including loans from different places) twice or more, regardless of whether the loans have been settled, the deposit and use certificate shall not be issued by the deposit and use center of the local provident fund, and the loan and local provident fund center shall not accept their applications for loans from different places.
Three, shall not set additional conditions for loans in different places. Employees who apply for off-site loans enjoy the same loan rights as local loan employees, and all localities may not set additional conditions such as deposit place and household registration place for their off-site loans, as well as insurance, notarization, new house evaluation, compulsory agency guarantee and other expenses.
Four, according to local conditions to determine the amount of loans in different places. The loan city provident fund center can reasonably determine the loan amount in different places according to factors such as employee income, the balance of provident fund deposit and personal credit status. , effectively prevent and control loan risks. The loan city provident fund center shall not require the deposit city provident fund center to limit the normal withdrawal of the deposit workers on the grounds of controlling the risk of loans in different places.
Five, standardize the use of proof materials. The deposit and loan certificate of Jian Jin []No. 135 shall be used for the deposit and loan of the urban provident fund center, and the format and content shall not be changed at will. In addition to the additional deposit and use details, employees are not allowed to provide other proof materials for deposit and use at will.
What materials are needed for off-site provident fund loans?
First of all, you need to prepare an application form for housing provident fund loans in different places, which can be downloaded from official website, the provident fund center of the loan place.
Secondly, it is necessary to apply for the certificate of deposit and use of the housing provident fund for loaned employees and the details of deposit in the past 6 months in the city where the provident fund is deposited. You can do it at the local provident fund center.
Then prepare the original and copy of your and your spouse's ID card and household registration book. No marriage certificate, no spouse information.
Prepare proof of my marital status (marriage certificate, divorce certificate, etc.). ) and prepare an unmarried statement for unmarried people.
Proof of the number of housing units must be issued in both the city where the provident fund is paid and the city where the loan is made, preferably none, and can be issued in the Housing Authority.
Then prepare the purchase contract and its photocopy, and the original and photocopy of the down payment receipt of not less than 20% of the total house price.
Finally, the bank needs some information, including bank flow, personal credit certificate, income certificate and so on. There may be other requirements in some places, and you can consult the loan city provident fund center.