The first step is to get the application form.
The borrower consults with the entrusted bank of provident fund loan and receives the Application Form for Personal Housing Loan of Provident Fund.
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The second step is to submit the information.
1, provident fund personal housing loan application form, economic income certificate and provident fund deposit certificate or housing provident fund reconciliation account book;
2. The original and photocopy of the ID card, household registration book or valid residence certificate and marital status certificate (such as unmarried certificate) of both husband and wife;
3. Purchase contract and down payment receipt;
4. Other supporting materials required by the lending bank.
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The third step is to sign the contract
1. Individual housing loan contract entrusted by provident fund;
2 provident fund personal housing entrusted loan mortgage contract;
3. Other agreement documents related to the loan required by the lending bank.
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The fourth step is to apply for a mortgage.
By the loan bank or borrower to the real estate mortgage registration department for housing mortgage registration.
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The fifth step is to approve the issuance.
The municipal capital center finally approves the loan and issues the loan funds, and the bank transfers the loan funds directly into the developer's account and notifies the borrower.
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Step 6 Repayment and settlement
From the month following the loan issuance, the borrower shall repay the loan principal and interest on time every month according to the loan contract. When the last loan is settled, the borrower shall go to the loan bank in person and go through the repayment settlement procedures at the counter.
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Cancel the mortgage loan
After the borrower has settled all the loan principal and interest, he should go through the mortgage cancellation formalities at the original mortgage registration department with the loan settlement certificate and mortgage cancellation certificate issued by the loan bank and other related materials.