Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment.

Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees.

The housing provident fund paid by employees and the housing provident fund paid for employees by the employees' units are personal savings specially used for housing consumption expenses stored by employees in accordance with regulations, which belong to individual employees. When the employee retires, the balance of principal and interest will be paid in one lump sum and returned to the employee himself.

Processing flow:

1. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information:

Proof of deposit of the applicant's and spouse's housing provident fund;

(2) Proof of identity of the applicant and spouse (referring to valid residence certificates such as resident ID card and household registration book) and proof of marital status;

(3) proof of family income stability and other proof of creditor's rights and debts that have an impact on repayment ability;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) List of collateral and pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

(six) the provident fund center requires a third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor jointly sign a tripartite contract.

(seven) other information required by the provident fund center.

2. For the loan application with complete information, the bank will accept the examination in time and submit it to the provident fund center in time.

3, provident fund center is responsible for the approval of loans, and timely notify the bank of the approval results.

4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

5. If the house is mortgaged, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.