Personal application for provident fund loan process
First: submit an application.
1. For the purchase of commercial housing and affordable housing, when signing the purchase contract with the selling unit, the selling unit shall receive the Approval Form for Housing Provident Fund Loan Application, fill in the form and prepare relevant materials to determine the loan amount;
2, construction, overhaul from the housing, with the approval documents of the land, planning and management departments, to apply for loans to the Changchun Housing Provident Fund Management Center;
3. Buy private houses (second-hand houses) with complete property rights and apply to Changfang Replacement Guarantee Co., Ltd. ..
Second: banks or financial institutions conduct audits.
The unit or guarantee company will submit the borrower's information together with the purchase contract, down payment receipt and other materials to the Municipal Housing Provident Fund Management Center for review.
Third: sign a decoration loan contract.
After the examination and approval of the housing provident fund management center, notify the borrower to sign a loan contract with the bank. And handle the contract notarization, collateral insurance and other related procedures.
Fourth: find a guarantee.
1. Where the commercial housing and affordable housing built by the developer who signed the Housing Provident Fund Loan Cooperation Agreement with the Center are purchased, the developer shall undertake joint and several liability guarantee for the borrower by stages before the house is formally mortgaged;
2. If you buy a second-hand house with a property right certificate and a land certificate, you can go directly to the mortgage department of the city real estate trading center for mortgage registration, and go through the relevant formalities of other house ownership certificates at the property right registration and certification center;
3. If the second-hand house is purchased with a title certificate and no land certificate, the guarantee company shall bear the guarantee responsibility.
Fifth: after the approval, the bank lends money.
After the borrower has gone through all the above procedures, the Center will issue a "Decision on Granting Lending" to the entrusting bank to inform the bank to lend.
Sixth: Late repayment.
Information required for applying for provident fund loan
1, identification of the borrower and spouse (ID card, household registration book, marriage certificate or divorce certificate, court judgment, ruling, unmarried or divorce certificate issued by the unit, etc.). );
2. Proof of stable economic income (proof of unit wage income, etc.). );
3, housing provident fund deposit certificate;
4. The purchase contract and agreement signed with the selling unit (approved by the land planning department of self-built housing);
5. I and my spouse * * * fill in the loan application approval form;
6. There must be a receipt for the house payment (down payment) of not less than 20% of the total house payment (self-financing proof of not less than 30% of the total house payment is required for the purchase of private houses, construction and overhaul of self-occupied houses);
7. List of pledge rights and ownership certificate issued by the borrower (or written commitment issued by the guarantor agreeing to provide guarantee).
The above is the process for individuals to apply for provident fund loans. Before applying for a provident fund loan, you must first make sure that you meet the relevant conditions for applying for a provident fund loan, and then prepare the materials according to the specific steps to apply, so that you can be approved soon. If the provident fund loan application is not passed, you can ask the staff why the approval failed, and then make corrections. After correction, you can apply again until the application is passed. Learn more about provident fund loans and pay attention to the content of this website.
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