1. After the approval of the provident fund, the bank also approved it, but this is only a form, because the main body of the provident fund loan is the provident fund management center, not the bank, and the bank is just an institution or carrier for lending.

Second, the loan process.

(1) Consulting loan applicants

The loan applicant goes to the loan handling department or calls the loan handling department to consult the housing provident fund loan, and prepares the relevant materials for the housing provident fund loan.

(2), preliminary review and evaluation

The loan applicant should go to the loan handling department for preliminary examination and relevant evaluation.

1. The loan applicant shall go to the loan handling department to conduct the preliminary examination of the provident fund loan with the materials required for the housing provident fund loan application.

2 according to the provisions of the need for personal credit evaluation of the loan applicant, the loan applicant shall sign the "credit evaluation authorization" under the supervision of the staff of the loan handling department.

3. The staff of the loan processing department prints the relevant documents and tells the loan applicant how to go through the next procedure.

4. If the house purchased by the loan applicant needs to be evaluated according to the regulations, the staff of the loan handling department will also issue a notice of mortgage evaluation to the loan applicant, and the loan applicant or entrusted agent will apply for mortgage evaluation at the evaluation institution designated by the Beijing Housing Provident Fund Management Center.

(3) The loan applicant is waiting for telephone notification.

1. The staff of the loan processing department will review the loan according to the materials required by the loan applicant and the evaluation results of relevant institutions. If it is necessary to communicate with the loan applicant by telephone, the staff will verify and confirm with the loan applicant by telephone through the contact information provided by the loan applicant.

2. If the loan applicant chooses the guarantee center, after the guarantee is approved, the staff of the guarantee center will inform the loan applicant of the time to sign the loan-related contract, the materials to be carried and the guarantee service fee to be paid.

If the guarantee method chosen by the loan applicant is non-guarantee center guarantee, after completing the relevant procedures according to different guarantee methods, the staff of the loan handling department will inform the loan applicant of the time and required materials for signing the loan-related contract.

(4) The loan applicant signs relevant contracts.

1. According to the interview time notified by telephone, the loan applicant will go to the loan handling department for signing the contract with the materials needed for the housing provident fund loan interview. For loan applicants who need to pay assessment fees and guarantee fees, they should first pay at the designated counter and receive invoices.

2. The loan applicant, the co-applicant, the mortgagor and the pledger complete the signing procedures of the Loan Contract and other relevant contract documents under the guidance of the staff of the loan handling department.

(v) Bank loans

After the bank lends money, the loan applicant goes to the bank to collect the relevant contract documents of the borrower.

[6] Monthly repayment

The loan applicant shall repay the loan on a monthly basis in accordance with the provisions of the loan contract.

Extended data

First, provident fund repayment skills

Free repayment of provident fund means that when applying for housing provident fund loan to buy a house, the housing provident fund management center gives a minimum repayment amount according to the loan amount and term, and the monthly repayment amount will not be the same in the future, but it can freely arrange the monthly repayment amount according to its own income on the premise that the repayment amount is not lower than the minimum repayment amount.

It is worth noting that the free repayment of provident fund not only gives the borrower the greatest autonomy, but also puts forward higher requirements for the borrower in terms of technical means, risk prevention and income realization. The monthly payment is basically decided by the borrower himself, which means that the overall interest payment is also decided by the borrower himself.

Generally speaking, when repaying provident fund loans, the less prepayment, the more interest paid; The more you prepay, the less interest you pay.

1. Free repayment means "daily repayment", that is, the loan date is a certain day of the month and the repayment date is a certain day of the month. If there is no corresponding repayment date in the current month, the repayment will be made on the last day of the current month. For example: 65438+1October 3 1 loan, with repayment on February 28th.

2. If the borrower accidentally loses the bank card or passbook used for repayment, then the borrower must bring the bank card or passbook of the same bank to the management department applying for the loan in time to handle the change procedures.

3. After the borrower pays off all the loans, he should go to the loan management department to obtain the proof of paying off all the loans.

Second, the principle

Tip 1: Find the lowest loan cost by finding the floating interest rate.

Due to the different pricing strategies of financial products, the interest rates of the same loan product in different banks are also different. For example, for two kinds of car loans, some banks implement the benchmark interest rate, while others raise the interest rate by 10%-20% or even higher.

Tip 2: The difference between different repayment methods can reach 10,000 yuan.

Banks have stipulated various flexible repayment methods, and there are two commonly used methods-"equal monthly repayment" and "equal monthly repayment of principal".

Tip 3: "Large repayment" reduces the total loan amount and saves interest.

Make full use of the subtle provisions related to loans to further reduce the cost of loans.

Baidu encyclopedia-provident fund loan