1, pre-loan consultation
The borrower calls the housing provident fund customer service phone, inquires about the website of the provident fund center of our city or goes to the service window of the provident fund center for pre-loan consultation; When it is necessary to apply for portfolio loans, you should consult the entrusted bank about the specific requirements and related forms for handling commercial loans.
2. Loan application
The borrower prepares relevant materials and applies for a loan at the provident fund center.
3. Monthly loan repayment application
When applying for a loan, the borrower can also apply for monthly repayment of the housing provident fund.
4. Commercial loan application
Borrowers who need to apply for portfolio loans apply for commercial loans at the entrusted bank with the proof materials of housing provident fund loans and the materials needed for commercial loans (skip this step when applying for pure provident fund loans).
5. handle the guarantee.
After the loan from the provident fund center and the entrusted bank is approved, the borrower shall apply to the guarantee company for guarantee procedures with relevant materials. Second-hand housing and existing housing loans need to provide the original housing ownership certificate and land use right certificate when handling the guarantee procedures.
Housing provident fund loans (including portfolio loans) are guaranteed and pledged by Changzhou Housing Guarantee Replacement Co., Ltd.
6. Lending
After the guarantee company agrees to guarantee, the provident fund center informs the entrusted bank to transfer the loan funds into the designated collection account.
7. Repay on time
The entrusted bank deducts the repayment amount of the current month from the personal account agreed by the borrower on 15 every month (postponed in case of holidays).
8. Settle the loan
The entrusted bank issues the repayment certificate, and the borrower cancels the guarantee at the guarantee company, and goes through the mortgage registration cancellation procedures of the housing provident fund loan.
(The above answers were published on 2016-11-25. Please refer to the actual purchase policy. )
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