When going to the bank to apply for provident fund loans, the reasons for the third party agent are: the agent will give benefits, or the agent is a relative of the bank leader; Entrusted to work as an agent. Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund loans can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans. 2 12 Some cities relaxed the conditions of provident fund loans.

Can housing provident fund loans be handled on behalf of others?

The application for housing provident fund loan can be handled by the developer, as long as the following materials are provided: 1. To purchase commercial housing and affordable housing, it is necessary to provide a pre-sale contract for commercial housing and a down payment certificate of not less than 20% of the total house price. 2. The guarantee certificate issued by the guarantor and the valid identity certificate of the guarantor. 3. Guarantee certificate issued by the real estate home purchase guarantee company. 4. Collateral appraisal report issued by real estate appraisal agency, etc.

Article 9 19 of the Civil Code is a contract in which the client and the trustee agree that the trustee shall handle the client's affairs. Article 920 The principal may entrust the agent to handle one or more specific affairs, or may entrust the agent to handle all general affairs.

Can I apply for a provident fund loan?

Provident fund loans can be handled on behalf of the agency, but there are risks, so it is best to handle them yourself. You need to bring your ID card when you apply for provident fund loans. If the agent usually provides various documents through an intermediary company, there will be a provident fund fee. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from 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.

What materials do you need to prepare for provident fund loans?

When the borrower applies for a provident fund loan from the management department of the provident fund management center where the provident fund is deposited, and chooses the guarantee center to provide the guarantee, it shall submit all the materials required for the individual to apply for the loan, including ID card, household registration book, marriage certificate, divorce certificate, proof of down payment for house purchase, house purchase contract, proof of housing provident fund deposit, etc.

Application process:

1, submit information

2. audit notice

After the loan application has passed the preliminary examination, the management department will issue the Notice of Examination of Guarantee Application, print the loan contract, mortgage (counter-guarantee) contract and other relevant legal documents, and submit the personal loan information to the guarantee center.

Step 3 agree

The guarantee center shall review the guarantee application, and if the borrower meets the guarantee conditions, the guarantee center shall issue an approval letter for the guarantee application; If the borrower entrusts an intermediary agency to handle the provident fund loan, the intermediary agency shall handle the guarantee application procedures and collect the guarantee service fee. (Note: The agency must have the qualification certification of Beijing Housing Provident Fund Management Center and sign a cooperation agreement with the guarantee center. )

Step 4 pay

The borrower shall pay the guarantee service fee according to the approved Letter of Approval for Guarantee Application. The guarantee center shall issue an invoice for the guarantee service fee, and affix the official seal of the guarantee center on the approved loan contract, mortgage (counter-guarantee) contract, custody contract and other legal documents.

5, material transfer

The audited personal loan application materials (including the sealed contract) are transferred from the guarantee center to the housing provident fund management department; If an intermediary agency is entrusted, the intermediary agency shall be responsible for the transmission of the above information.

Step 6 sign a contract

The housing provident fund management department shall supervise and guide the loan applicants to sign loan contracts, mortgage (counter-guarantee) contracts and other relevant legal documents.

The establishment of employee housing provident fund is a measure to promote the reform of housing system in China, aiming at solving the housing difficulties of employees jointly by the state, collectives and individuals.

Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. According to the regulations, all employees who have paid the provident fund have the right to enjoy such loans and can apply for provident fund loans in accordance with the relevant provisions of provident fund loans.

Extended data:

Letter of credit clause

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.

2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.