"Xi personal housing provident fund loan operation procedures (Trial)"
Second, the application conditions
Workers who have paid the housing provident fund under one of the following two circumstances may apply for loans from different places:
(1) The applicant or spouse has an Xi account (original and photocopy provided);
(2) The applicant or spouse has been working or living in Xi for a long time (tax payment certificate or social security certificate or residence permit in Xi for more than one year is required).
When applying for a loan, the borrower shall meet the following conditions:
1. The borrower has continuously paid the housing provident fund in full for more than 6 months (inclusive) at the place where the housing provident fund was paid, and the deposit is normal;
2. Deposited employees with stable economic income, good credit, ability to repay loan principal and interest, and full capacity for civil conduct;
3. The credit report of the borrower and spouse has no record of default for three consecutive periods or more than six cumulative periods in the past five years, and the borrower and spouse have no outstanding housing provident fund loans (including the place where the housing provident fund is paid);
4. Agree to the relevant loan regulations of Xi Housing Provident Fund Management Center.
Notice on Issues Related to Housing Provident Fund Personal Housing Loans in Different Places Shaanxi JianJinFa [2065438+05] No.6
Second, the loan conditions in different places
(a) in the housing provident fund management center and sub-centers (hereinafter referred to as the deposit center) for more than 6 months (inclusive), and the employees whose accounts are in a normal state can apply to the housing provident fund management center (hereinafter referred to as the loan center) for personal housing provident fund off-site housing loans when they purchase self-occupied ordinary commodity housing outside the jurisdiction where they deposit in the province.
(2) Qualification identification, approval requirements, loan amount, loan term, etc. Loans in different places shall be implemented according to the relevant provisions of the loan center.
(3) Employees cannot apply for two housing provident fund loans to the deposit center and the loan center respectively. Those who have applied for housing provident fund loans in the deposit center but have not paid them off can not apply for loans in different places during the repayment period.
Three. Procedures for handling off-site loans
(a) the loan center accepts the consultation of employees' loan business in different places and informs them of the audit materials required for the loan at one time.
(2) The borrower submits the Application Form for Loan of Housing Provident Fund in Different Places to the deposit center (see attached table 1). Authorized by the Application Form for Housing Provident Fund Loans in Different Places, the deposit center marks the housing provident fund accounts of the loan applicants and their spouses for loans in different places, temporarily freezes other applications for use, and issues the Employee Housing Provident Fund Deposit and Loan Certificate (Purchase in Different Places) to the applicants (see Table 2).
(3) The loan applicant shall submit an application to the loan center or its entrusted handling bank with the certificate of deposit and loan of employee housing provident fund (house purchase in different places), the application form of housing provident fund loan in different places and the materials specified by the loan center.
(four) the loan center accepts and reviews. The loan center verifies the employee information through the online inquiry system of the housing provident fund deposited in the center and the loan materials provided by the employees. If necessary, the depository center can be entrusted to assist in the relevant credit investigation, and the audit can be conducted according to the prescribed procedures, and the decision on whether to lend money can be made within 15 working days at the longest. If the loan is approved after examination, the loan formalities shall be handled in accordance with the loan process of the loan center, and the completion shall be fed back to the depository center; If the audit fails, the borrower and the deposit center will be notified within 5 working days, and the deposit center will issue off-site loans from the borrower and spouse's housing provident fund account within 5 working days.