I. Location of handling
It is managed by the regional management office of the Island City Housing Provident Fund Management Center.
Second, the handling requirements
1. Original ID card of the borrower;
(2) consistent with the original; ;
3. If the borrower is unable to be present in person for some reason, he shall entrust others to handle it on his behalf and produce the original notarized power of attorney;
4. Materials sent by the municipal management center.
Third, the handling process
Application → signature confirmation → bank payment → surrender and withdrawal procedures.
1, application
Except for the monthly deduction date and bookkeeping date (i.e. 7, 8, 17, 18, 27 and 28, which will be postponed in case of holidays), you can apply to the loan management office.
Step 2 sign for confirmation
The borrower fills in the Application Form for Early Settlement of Housing Provident Fund Loan in Qingdao, checks the cash payment form printed by the accepting personnel, and confirms the repayment of principal and interest in advance.
3. Bank payment
The borrower shall deposit the interest and other repayable amounts into the designated bank account with the cash payment slip, and return the payment voucher to the acceptance counter on the day of repayment voucher.
4. Bookkeeping
After the city management center keeps accounts according to the payment receipt, it will issue a withdrawal certificate (the mortgaged house will be paid off when the loan is made).
Step 5 get relevant information
The borrower holds the loan settlement certificate and obtains the house ownership certificate (or the real estate advance notice registration certificate) and the application for real estate registration; For portfolio loans, you need to obtain a real estate registration application from the loan bank.
Step 6 sign
According to the prompt, the borrower goes to the entrusted bank to handle the house cancellation and signature procedures.
7. Go through the withdrawal procedures.
Friendly reminder:
At present, Qingdao Housing Provident Fund Center has opened internal transfer to repay housing provident fund loans in advance. During the normal repayment period, the borrower and spouse directly use the balance of their own provident fund account for the business of early settlement and early partial repayment of provident fund loans according to personal provident fund.
This business can also be handled by the net payer and spouse in the management office of Qingdao Provident Fund Management Center. After signing the account opening agreement in the online hall, you can log in to the Personal Professional Edition of Qingdao Housing Provident Fund Online Business Hall [Personal Professional Edition of Online Business Hall] to handle the prepayment business through the online hall.
(The above answer was published on 20 15-0, subject to the actual situation.)
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Two, 2022 Qingdao new housing provident fund loan guide (conditional materials import process)
I. Processing conditions
(1) Having permanent residence or valid residence status within the administrative area of this Municipality;
(two) in line with the conditions for applying for loans by depositing housing provident fund;
(3) Having a house purchase contract or agreement and relevant certification materials, and the down payment ratio of house purchase meets the specified requirements;
(four) have a stable occupation and income, good credit, have the ability to repay the loan principal and interest in accordance with the provisions;
(five) agreed to handle the loan guarantee and related procedures recognized by the provident fund center;
(six) the loan applicant to buy new housing, housing development units should sign a loan cooperation agreement with the provident fund center;
(seven) the housing purchased by the loan applicant must be the first set of self-occupied housing or the second set of improved ordinary self-occupied housing for the family (including the loan applicant, spouse and minor children); Stop accepting applications for provident fund loans for employees' families to buy third or above houses or have used provident fund loans twice.
Second, the application materials
(a) "Qingdao housing provident fund loan application approval form" (online pre-application for registration, printed at the center counter);
(2) Wage income: if the deposit base meets the repayment ability requirements, it is not required to provide it. If the repayment ability does not meet the requirements, it is necessary to provide an additional income certificate and bank salary details (bank passbook) for nearly one year, or income certificate and personal income tax payment certificate. (The income certificate is stamped with the official seal of the provident fund deposit unit)
Note: The time for issuing the income certificate cannot exceed 60 days from the loan time.
(3) proof of identity and marriage relationship
1. Identity certificate: the original ID card of the applicant (and spouse); If there is a property right of * * *, provide the original ID card of the owner of * * *;
2. Proof of marriage relationship:
(1) Married persons are required to provide marriage certificates;
(2) If the applicant has never been married, divorced, remarried or widowed, sign a written statement on the spot (with special tips);
(four) the original purchase contract (if the pre-registration of commercial housing has been handled, it should be provided at the same time);
(five) the first payment invoice or receipt (machine printed bill);
(six) the original provident fund joint card.
(seven) Chengyang pilot * * * property housing also need to provide * * * property department (unit) and talent signed the purchase agreement (Qingdao to introduce talent to buy individual housing agreement).
★ Tips for special matters:
1. If the borrower is single and the marriage relationship has the following special circumstances, relevant certification materials shall be provided:
(1) The marital status of the applicant in the credit information system of China People's Bank is married;
(2) There are loan records in the housing provident fund comprehensive trading system, and it is found that both husband and wife apply for loans.
In case of the above situation, in addition to signing a written statement, the applicant also needs to provide a divorce certificate or a civil judgment or a civil mediation according to the specific circumstances. If the spouse dies, the applicant shall provide the death certificate or household registration cancellation certificate, marriage certificate and other related materials. If the applicant has any objection to the marital status recorded in the credit information system, it shall handle the objection.
2. If the applicant is unable to sign the affidavit at the site of the management office, he should make the affidavit through a notarial certificate or notarize the affidavit signed by himself.
Third, the counter handling process
(1) Consultation
Applicants can call the customer service hotline 12329 or consult the housing provident fund management office in the jurisdiction with their own and spouse ID cards;
(2) loan application
1, individual submission
The applicant (spouse, property owner * * *) submits materials at the loan front desk, and the staff of the management office examines the applicant's loan qualification and calculates the loanable amount; Meet the loan conditions, print the "Qingdao housing provident fund loan application approval form". After accepting the loan application, conduct credit inquiry and issue pre-trial opinions.
2. Centralized submission by developers
The developer will submit the loan application materials to the loan front desk. If the management office staff examines the loan conditions, the developer will inform the applicant to handle it. On the spot, the center printed the "Qingdao Housing Provident Fund Loan Application Approval Form", conducted personal credit inquiry, and issued pre-trial opinions.
(three) examination and approval, contract seal, mortgage
After the approval of the center, the applicant signs a loan contract (portfolio loan requires the borrower to sign a loan contract with the center and the bank respectively), and after both parties sign and seal the contract, the borrower (property owner * * *) goes through the mortgage registration formalities at the real estate registration department.
(4) obtaining evidence and lending money
After the mortgage registration formalities are completed, the staff of the management office will handle the loan issuance formalities after receiving the "Property Ownership Certificate" or "House Mortgage Advance Registration Certificate".
(five) to receive loan materials
After the loan is posted, materials such as loan transfer vouchers will be mailed or notified.
Friendly reminder:
If the loan applicant (spouse) cannot go through the loan formalities in person, he must go through the notarization formalities. The contents of the notarial certificate should not only make it clear that the trustee will handle the housing provident fund loan on his behalf, but also make it clear that the trustee will sign the Power of Attorney for Personal Credit Information Basic Database Provident Fund Loan on his behalf.
Four, the network hall for the process
(a) the net hall login
After entering the personal online business hall, official website and Qingdao Housing Provident Fund Management Center, select Personal Professional Edition to log in.
Personal online business hall of Qingdao Housing Provident Fund Management Center: Click here to enter.
(2) Register and upload loan application materials.
Loan applicants enter the online lobby to pre-apply for registration according to the type of house. After successful registration, the system will pop up the interface of uploading loan materials, and the loan applicant will upload the corresponding material files according to the material attachment list. Submit the file after uploading it.
Tip: After applying for registration in advance, the applicant can go directly to the counter without uploading relevant materials. Pre-application for registration and uploading materials shall be handled according to the follow-up process.
(3) Central background audit
After submitting the materials, the central teller will review the uploaded materials and give feedback on the review opinions. After the materials are passed, the loan applicant can go to the counter to handle it. If the review fails, the applicant can modify the uploaded materials and resubmit them.
(4) Accepting loans
1. The applicant (spouse, property owner * * *) submits materials at the loan front desk, and the staff of the management office verifies that the applicant meets the loan conditions, prints the Approval Form for Loan Application of Housing Provident Fund in Qingdao, conducts credit inquiry after the loan application is accepted, and issues pre-trial opinions.
2. Centralized submission by developers
The developer will submit the loan application materials to the loan front desk. If the management office staff examines the loan conditions, the developer will inform the applicant to handle it. On the spot, the center printed the "Qingdao Housing Provident Fund Loan Application Approval Form", conducted personal credit inquiry, and issued pre-trial opinions.
(five) examination and approval, contract seal, mortgage
After the approval of the center, the applicant signs a loan contract (portfolio loan requires the borrower to sign a loan contract with the center and the bank respectively), and after both parties sign and seal the contract, the borrower (property owner * * *) goes through the mortgage registration formalities at the real estate registration department.
(6) Obtaining evidence and lending money
After the mortgage registration formalities are completed, the staff of the management office will handle the loan issuance formalities after receiving the "Property Ownership Certificate" or "House Mortgage Advance Registration Certificate".
(seven) to receive loan materials.
After the loan is posted, materials such as loan transfer vouchers will be mailed or notified.
Tip:
If the loan applicant (spouse) cannot go through the loan formalities in person, he must go through the notarization formalities. The contents of the notarial certificate should not only make it clear that the trustee will handle the housing provident fund loan on his behalf, but also make it clear that the trustee will sign the Power of Attorney for Personal Credit Information Basic Database Provident Fund Loan on his behalf.
Verb (abbreviation of verb) charging basis and standard
No charge.
Sixth, the processing time limit
1 working day (the materials are complete and meet the loan application conditions, accepted and approved on the same day)
Seven. Consultation method
(1) On-site consultation: business halls of management offices of various districts (cities) under the jurisdiction of Qingdao Housing Provident Fund Management Center.
(2) Telephone consultation: (0532) 12329 (housing provident fund hotline).
(3) Website query:
Eight. Accepting unit and handling place
Qingdao new housing provident fund loan processing location and telephone number:
Third, how to apply for provident fund loans online
Online provident fund processing flow
Enter the personal information page with the housing provident fund deposit voucher card, ID number and password, enter the housing provident fund withdrawal pre-application window, and follow the prompts. The specific process is as follows:
First, select the extraction reason.
Second, whether to withdraw the spouse's provident fund
Third, verify the spouse information.
Fourth, check the required information.
Verb (abbreviation of verb) generates website pre-application.
Six, with the pre application number and the required paper materials to the city housing provident fund management center counter for confirmation.
Online application requirements for housing provident fund withdrawal
First, the employee housing provident fund has not been frozen;
Second, the housing provident fund can be withdrawn for one year and only once;
Third, the withdrawal of housing provident fund can be used to repay commercial housing loans or housing provident fund loans;
Fourth, the maximum withdrawal amount of housing provident fund for repayment of loans cannot exceed one year's total repayment of loan principal and interest and the balance of loan principal and interest.
Qingdao provident fund loan online processing?
From July 2065438 to July 2008, Qingdao fully implemented online pre-application for housing provident fund loans.
Employees (or real estate development enterprises) who apply for loans can submit loan applications online through the online business hall of provident fund in advance, without having to manually fill out paper forms at the front desk, and the front desk teller will call and print them through the system when accepting business, which effectively saves the waiting time for on-site processing and provides more convenience for employees to apply for loans.