The borrower applies to the management center or the entrusted bank; Where the place of purchase is inconsistent with the place where the borrower's provident fund is deposited (only within the administrative area of this Municipality), an application shall be submitted to the deposit management center.
Second, submit materials.
The management center or the entrusted bank accepts the borrower's loan application, and the borrower truthfully fills in the loan application and submits the relevant materials of the provident fund loan.
Third, the interview.
After filling in the application form, the management center or the entrusted bank shall implement an interview system for the borrower on loan-related matters and form an interview record.
Fourth, the approval notice.
After accepting the applicant's loan application, the management center will make a decision on whether to grant the loan within 10 working days. Under special circumstances, with the approval of the leadership of the management center, it can be extended for 5 working days, and the management center or the entrusted bank will notify the borrower.
5. sign a contract.
Signing of loan contract. The borrower, the management center and the entrusted bank shall sign a written loan contract, or the management center entrusts the entrusted bank to sign a written loan contract with the borrower.
Matters needing attention in buying a house with provident fund loan:
1. Couple loan with provident fund loan. If both husband and wife borrow money to buy a house, whether they apply for provident fund loans before or after marriage, as long as one of them has applied for provident fund center, there will be corresponding records in the system. Before the last loan is paid off, both husband and wife can no longer use the provident fund loan to buy a second house.
2. Provident fund loan second suite. Borrowers who use provident fund loans to buy houses, such as the first house, use it. Before the provident fund loan is paid off, it is not allowed to apply for a provident fund loan again to buy a second house. Only when the previous housing loan is paid off can the provident fund loan be used again. It will not be regarded as the second house, but it will still be regarded as the first house operating according to its policies.
Don't use the provident fund before applying for a loan. If the borrower takes the balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in your provident fund account will be zero, and your provident fund loan amount will be zero, which means you will not apply for a provident fund loan.