Provident Fund loan process
1. Loan application: employees apply for loans from entrusted banks according to different types of houses they buy.
Second, the loan acceptance
(a) the provident fund center or the entrusted bank conducts a preliminary examination of the authenticity and compliance of the applicant's loan conditions, application materials, application amount and other contents;
(2) If the loan is approved in the first instance, the entrusting bank shall invite the applicant for an interview to further understand the loan purpose, repayment willingness and repayment ability of the applicant, and establish interview records;
(3) If the preliminary examination and interview meet the requirements, the entrusted bank will accept the loan application.
Third, the loan approval
(1) If the employee loan application is accepted by the entrusted loan bank, the entrusted loan bank shall submit it to the provident fund center for approval in time.
(two) the provident fund center shall complete the loan approval within 7 working days from the date of accepting the loan or receiving the materials submitted by the entrusted bank. Provident fund portfolio loans need to be approved by the loan bank of the Economic Commission as commercial loans.
(3) If the examination and approval cannot be completed within 7 working days due to special circumstances, it may be extended by 5 working days with the approval of the person in charge of the provident fund center, and the provident fund center or the entrusted bank shall inform the applicant of the reasons for the extension.
(four) if the employee loan application is not approved, the provident fund center or the loan bank shall inform the applicant of the reasons.
Fourth, the contract signing
If the employee loan application is approved, the entrusted bank shall notify the borrower to go through the signing formalities. The Borrower, his spouse, the property owner, the guarantor, the entrusted bank and the provident fund center * * signed the Hangzhou Provident Fund Personal Housing Guarantee Loan Contract (hereinafter referred to as the Guarantee Loan Contract). The borrower also signed a loan receipt.
Verb (abbreviation of verb) loan audit
After receiving the house mortgage certificate, the Center will review the loan, and the loan conditions are as follows:
(1) Loan for pre-sale of commercial housing (affordable housing). The loan conditions are as follows: the advance notice registration certificate has been collected and the owned property has been declared.
(2) If the existing commercial housing (affordable housing) is loaned, the loan conditions are: the property ownership certificate has been completed and obtained, and the property to which it belongs has been mortgaged.
(3) In the case of other loans such as second-hand houses and housing reform houses, the loan conditions are: the house ownership certificate is complete and collected.
Intransitive verb lending
The entrusted bank shall issue loans according to the loan conditions agreed in the secured loan contract, and the loan funds shall be transferred according to the account agreed in the contract.
(a) to apply for commercial housing loans (including affordable housing), the loan funds directly into the designated commercial housing pre-sale funds special supervision account.
(two) to apply for a second-hand housing loan, and transfer the loan funds to the supervision and payment account of the real estate agency in the entrusted bank in the name of the borrower.
(three) when applying for housing reform loans and resettlement housing loans, the loan funds will be transferred to the borrower's bank deposit account.
range
Buy a car with a loan from the Bank of China?
Bank of China loans to buy a car are:
First, customers can go directly to the bank for loans before buying a car;
Second, the customer first goes to the car dealer to see the car, and then applies for a car loan through the dealer (what procedures are required for loan to buy a car);
The third is the credit card installment car purchase business and so on. However, each loan method has its advantages and disadvantages, and consumers should choose according to their own actual situation when choosing.
China's new car loan model "car loan"
"Car Loan Link" is a brand-new car loan model, and China Bank grants a large special installment quota according to the applicant's credit status to meet the applicant's car purchase demand. The advantage of car loan is that there is no minimum repayment amount, that is, the minimum repayment amount, and the arrears are repaid monthly according to the requirements of credit bills, and there is no vehicle type limit.
Flow chart of car loan service in China: down payment of more than 30% of car payment → application for car loan service of Bank of China → bank review → car mortgage and credit card installment transaction → driving home.
Second, China loan car application process:
First fill out the application form and go to the bank where you work, and then prepare the second-generation ID card and the front and back copies of the ID card, as well as the work certificate issued by the company in the last month. The certificate should be embodied in 3231313353236313431303231363533E78988E69833133365653933. The current device has been working continuously for at least 6 months. Provide the bank payroll and loan use certificate in my name for nearly 6 months, mainly including the car purchase contract (the seller's driving license is required at the same time for used cars), the real estate license of renovation contract and the renovated real estate, the certificate of studying abroad, the business sales contract, etc. At the same time, show Mo's bank debit card and a copy. Finally, submit the application and someone will contact you then.
What is the handling process of Taiyuan automobile mortgage?
Automobile mortgage processing flow chart
1. The lending institution receives the information provided by the applicant;
2. Visit the applicant's home, investigate and estimate the vehicle value;
3. The lending institution initially sets the loan amount;
4. Handling entrustment notarization and loan notarization;
5. The lending institution accepts the relevant documents of the applicant;
6. Go through the mortgage registration formalities;
7. loans.
Conditions and materials required for services in automobile mortgage:
1. has a stable occupation, and the applicant has the ownership of the local mortgaged vehicle.
2. Carry out business and live and work in the city for a long time.
3, motor vehicle registration certificate, driving license, purchase tax additional proof (this), car purchase invoice.
4. Insurance policy, travel tax, and relevant tax payment certificates for imported vehicles.
5. ID card (temporary residence permit or residence permit within the validity period provided by non-local account customers)
Flowchart of 4s shop loan to buy a car
Go to the 4S shop to negotiate the car price. At this time, if you ask for a loan, the car price will generally be discounted by 5,000 yuan, but at the same time you need to pay a handling fee of about 5,000 yuan (generally 3% of the loan amount, not 3% of the car price). We must pay attention to this.
When the loan process is decided, it should be indicated in the car booking form that it is a loan to buy a car, and that the loan application failed and the deposit will be refunded.
The 4S shop will apply to the loan bank after your order takes effect and the deposit is credited. The loan bank will generally check with you on the second working day and ask you to provide some materials, such as ID card and income certificate. These can be sent to them in the form of pictures.
In about three working days, the application was passed, that is, the bank agreed to lend money.
After receiving the phone call from the bank agreeing to lend money, you take the materials (those you sent pictures to the bank) and go to the lending bank to apply for a savings card. This card has two functions. First of all, you have to invest money to repay the loan. Second, after the bank lends money, it will first transfer the money to your account and then transfer it to the 4S store immediately.
After completing the card, go to their credit department and sign a formal loan contract in duplicate. At the same time, they will give you a loan agreement and other bank information, which will be used when you go to the 4S store for payment.
Wait for the bus. After the bus arrives at the store, the 4S store will inform you that the bus has arrived. You can bring your identification and materials provided by the bank to the 4S shop for down payment, and check the car at the same time. After checking the car, you can't take it away. They will give you a copy of the certificate, and you should check it with the nameplate information on the car.
The 4S shop will give your car information and your down payment to the bank, and the bank will release the money in about 3 working days.
After the bank lends money, your mobile phone will receive a message: how much money will be transferred to your bank card, and then how much money will be transferred from your bank card immediately.
After receiving this information, you inform the salesperson of the 4S store and ask him to check whether the bank loan has arrived. Generally, it will arrive within half a day, and the fastest is immediately.
After receiving the loan, the 4S shop will inform you to pick up the car. Generally speaking, you can go to the 4S shop to pick up the car the next day.
Extended data:
Matters needing attention in buying a car with a loan:
Buying a car with a loan is all insurance. According to the 4S shop, the loan to buy a car is not yours, but the bank's. The bank needs you to keep the vehicle safe and intact before paying off the loan.
4S stores may install a GPS positioning device in your car in case you run away, which is uncertain.
The 4S shop will urge you to get the license within a time limit, and there will be problems after the time limit.
After obtaining the license, the copy of the vehicle registration certificate and commercial insurance will be handed over to the bank as collateral by the 4S shop.
Some stores will force you to buy insurance in 4S stores during the loan period.
Some informal shops are tricky about interest rates, so we must understand them clearly.
4s shop loan car purchase fee
When signing a car purchase contract with the 4S store, please specify the loan fee and the specific amount of service items with the 4S store.
If the 4S shop can't write this fee into the contract or issue the corresponding detailed invoice, the consumer has the right to refuse to pay the above fee, and can't rush to buy a car and pay this unclear "money".