First of all, you need to understand the application process of provident fund loans:
I. Application
The borrower shall submit a written application for housing provident fund loan to the housing provident fund management center, and truthfully fill in the housing provident fund loan application form and related materials, such as: personal identity card, borrower's marriage certificate, income certificate of the applicant and spouse, original legal purchase contract, stamp of the applicant and spouse, etc.
Second, the first instance
The housing provident fund management center conducts a preliminary examination of the applicant's materials, including the applicant's qualifications, loan amount, term, etc. After passing the preliminary examination, the management center issued the Notice of Collateral Review and Evaluation.
Three. assess
After receiving the notice of mortgage review and evaluation, the applicant will take the notice to the designated evaluation institution to evaluate the value of the house to be purchased. If it is affordable housing, there is no need to evaluate it.
Fourth, auditing.
After the applicant gets the appraisal report issued by the appraisal institution, he will go to the provident fund management center for examination and payment with the appraisal report and preliminary examination materials. If it passes the examination, the management center will issue the Notice of Investigation on the Entrusted Loan Guaranteed by the Housing Provident Fund Management Center.
Verb (abbreviation of verb) goes through the guarantee formalities.
The applicant holds the "Notice of Investigation on Entrusted Loan Guaranteed by Housing Provident Fund Management Center" and goes through the guarantee formalities according to the guarantee method he chooses. If the selected guarantee method is mortgage guarantee, the guarantor shall issue a written guarantee certificate; If the guarantee method you choose is mortgage plus insurance or third-party guarantee, you should go to the guarantee company to handle the entrusted guarantee formalities or go to the insurance company to insure.
Intransitive verbs sign loan contracts
After the above matters are approved, the applicant can sign a loan contract.
There are the following precautions when signing a provident fund loan contract:
(a) to verify the identity of the borrower signed on the spot.
The center and the entrusted bank should check the borrower's name and ID number, check the building area, location, number of units and loan amount of the house, as well as the real mortgage intention of the house owner, repayment passbook number, monthly repayment amount, mortgage period and other matters.
(2) Signature of the borrower
After reading the contract, the borrower signs the provident fund loan contract.
(3) After the loan contract is signed, the entrusted insurance company shall go through the relevant mortgage insurance procedures according to the contents of the contract.