With the provident fund, buying a house has become very beneficial. Loan, not only can save a lot of interest, repayment pressure is also small, more cost-effective. So do you need to find a guarantee company for provident fund loans? It depends on your own actual situation. If you have good credit, stable income and sufficient repayment strength, you don't need to find a guarantee company. And how long does the provident fund loan need to be reviewed? If all the information is fully prepared and meets the requirements of the loan bank, it is actually quite fast.

Do you need to find a guarantee company for provident fund loans?

Many people, feeling that their credit is bad, are afraid that the bank will not lend money, so they have to find another guarantor. Do you need to find a guarantee company for provident fund loans? If you want to get a loan, you don't need to find a guarantee company, just find a suitable guarantor. However, the guarantor must also meet the relevant conditions, such as having civil capacity, having a local account, having a stable income, having paid the provident fund continuously for more than half a year, and having no other provident fund loans and bad debts. , and does not exceed the statutory retirement age.

How long does the provident fund loan need to be reviewed?

The loan is relatively complicated and cannot be processed in a short time, but how long does it take to review the provident fund loan? It takes 18- 19 working days from the bank applying for provident fund loans to the lending bank. Among them, the loan application is completed on the same day; The loan review takes two working days; The audit of the local housing provident fund management center will be completed within one working day; Sign the loan contract and complete it in two working days; If the guarantee is selected, it will take 6 working days to complete; The loan information shall be submitted and completed within two working days; It takes three working days for the provident fund management center to approve the materials; Bank transfer takes 1 working day.

To understand the relevant contents of provident fund loans, you need to find a guarantee company. If the borrower has good conditions in all aspects, there is no need to find a guarantee company. If the provident fund management center needs to find a guarantee company to reduce risks, it can also find a natural person to guarantee. And how long does the provident fund loan need to be reviewed? You need to look at the regulations of the local provident fund management center, which generally takes 10 working days, that is, 20 days, provided that the relevant information is prepared.

2. Does the provident fund loan need guarantee?

Legal analysis: if the employee withdraws the balance stored in the housing provident fund account, the unit where he works will verify and issue a certificate of withdrawal. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

Legal basis: Regulations on the Management of Housing Provident Fund

Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

Twenty-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Twenty-seventh applicants for housing provident fund loans shall provide guarantees.

Twenty-eighth housing provident fund management center in the premise of ensuring the housing provident fund withdrawal and loans, approved by the housing provident fund management committee, housing provident fund can be used to buy government bonds. The housing provident fund management center shall not provide guarantees to others.

Article 29 The value-added income of housing provident fund shall be deposited in the special account for value-added income of housing provident fund opened by the housing provident fund management center in the entrusted bank, which shall be used for establishing the risk reserve for housing provident fund loans, the management expenses of the housing provident fund management center and the supplementary funds for urban low-rent housing construction.

Article 30 The management fee of the housing provident fund management center shall be compiled by the housing provident fund management center in accordance with the prescribed standards, and after being approved by the financial department of the people's government at the same level, it shall be extracted from the value-added income of the housing provident fund and allocated by the finance at the same level. The management fee standard of the housing provident fund management center shall be formulated by the construction administrative departments of the people's governments of provinces, autonomous regions and municipalities directly under the Central Government in conjunction with the financial departments at the same level in accordance with the charging standards of institutions slightly higher than those stipulated by the state.

3. Does the provident fund loan require a guarantee fee?

The Ministry of Housing and Urban-Rural Development clearly stipulates that off-site provident fund loans shall be handled according to the following procedures:

Loan city provident fund center accepts the consultation of employees' loan business in different places, and informs them of the audit materials required for loans at one time;

Employees themselves or their clients apply to the municipal provident fund deposit center, and the municipal provident fund deposit center verifies the loans paid by employees according to their applications, and issues the Certificate of Housing Provident Fund Deposit and Use for employees who have never used the housing provident fund or whose first housing provident fund loan has been settled;

After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loan to the deposit city provident fund center. If the verification is correct, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center. Deposited to the city provident fund center to identify employees' loans in different places, and establish a detailed account of employees' loans in different places;

4. Does the provident fund loan need guarantee?

Housing provident fund loans must be secured by mortgage. There are four ways to guarantee personal provident fund housing loans, and the borrower can choose according to the loan needs:

Valentis

The guarantor guarantee company shall provide the borrower with joint and several liability guarantee. The guarantor shall sign a guarantee contract with the provident fund center.

mortgage guarantee

A borrower may use his or others' property as collateral.

If the mortgaged property is owned by * * *, all the certificates that the * * * owner agrees to mortgage shall be provided; If the borrower mortgages the property of a third party, it shall issue a certificate that the obligee agrees to mortgage.

Property whose ownership is unknown or controversial, dangerous, has been or will be included in the scope of collective land cannot be used as collateral. Collateral shall be evaluated in accordance with regulations. The mortgagor shall sign a mortgage contract with the provident fund center.

Real estate mortgage shall be registered with the real estate management department according to law, and a certificate of other rights or a certificate of filing before mortgage shall be obtained.

Personal housing provident fund guarantee

The borrower or others provide joint liability guarantee for the borrower with individual housing provident fund. The guarantor's housing provident fund balance should reach more than 80% of the loan amount.

After the guarantor takes the housing provident fund as the borrower's guarantee, he cannot apply to the provident fund center for withdrawing his housing provident fund or applying for a housing provident fund loan during the guarantee period. When the borrower's housing accumulation fund reaches 80% of the loan balance, its guarantor will automatically cancel the guarantee.

The guarantor shall sign a guarantee contract with the provident fund center.

Pledge guarantee

The borrower takes bonds, bank certificates of deposit and other securities as collateral and guarantees them in full. The pledgor shall sign a pledge contract with the provident fund center, and go through the formalities of freezing and stopping payment of the pledge, which shall be kept by the provident fund center.