Steps for handling provident fund:
1. The borrower can submit a written loan application and related materials to the loan bank, which will submit it to the housing provident fund management department for approval, or directly apply to the housing provident fund management department for approval;
2, approved by the housing provident fund management department of the borrower, and the loan bank signed a loan contract and guarantee contract, mortgage registration, insurance, notarization and other related procedures;
3. The loan contract stipulates that the loan bank will transfer the loan to the special account for selling houses set up by the developer in the loan bank or directly to the deposit account opened by the borrower in the loan bank;
4. The borrower opens a repayment account in the loan bank and repays the loan principal and interest on schedule according to the repayment method and repayment plan agreed in the loan contract;
5. After the loan is settled, the borrower obtains the Loan Settlement Certificate from the loan bank, retrieves the mortgage registration certificate and the original insurance policy, and goes through the mortgage registration cancellation formalities at the original mortgage registration department.
Extended data
Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.
Materials required for handling provident fund:
1. The valid identity certificate and household registration book of the borrower and spouse (if any) (the second-generation ID card should be copied on the back, and the household registration book should be copied on the title page, the first page of the household registration book, and the borrower and spouse pages).
2. Marriage certificate: if unmarried, the marriage registration office at the place where the household registration is located will issue a single certificate; Divorce certificate and non-remarriage certificate (divorce certificate, court judgment or ruling, and non-remarriage certificate issued by the marriage registration authority where the household registration is located); Married people provide marriage certificates.
3. The original purchase contract signed by the borrower and the selling unit.
4. The loan application form jointly filled out by the borrower and his spouse (married), the housing accumulation fund deposit certificate issued by the unit, the salary income certificate, and the borrower's bank card in the last year.
5. The down payment receipt delivered by the borrower to the selling unit in advance shall not be less than the amount stipulated in this agreement.
References:
Baidu encyclopedia-housing accumulation fund