What are the procedures for applying for provident fund loans?
There are generally six steps to apply for housing provident fund loans:
First, the borrower applies for a loan from the loan bank.
Two, the loan bank issued a letter of intent after passing the examination, the borrower to receive the loan required form.
Three, the borrower signed a contract or agreement with the sales construction unit, and attached a letter of intent for the loan.
4. The borrower signs a mortgage contract with the loan bank and deposits the self-raised funds into the loan bank.
Verb (abbreviation of verb) The borrower handles the guarantee formalities: The borrower who mortgages the house property goes to the property right department to handle the Certificate of Other Property Rights and the Confirmation of House Mortgage. Where securities are pledged, they shall be kept by the lending bank and a loan contract shall be signed.
Six, the loan to buy a house, the loan bank will transfer the loan together with the borrower's deposit into the account of the selling unit, which will be used for building and repairing the house, and the borrower will pay according to the loan contract.
What documents do you need for provident fund loan guarantee?
When employees apply for housing loans, they should submit a written loan application, indicating the reasons for the loans. Units selling houses, building units, housing location, building area, purchase price or construction cost, loan amount, loan term, etc. , and hold the borrower's application, a copy of the borrower's ID card, household registration book, housing provident fund savings card, the borrower's name stamp and relevant certification materials (for the purchase of a house, there must be a purchase contract or agreement that meets the legal requirements; To build a house, there must be documents approved by the planning and land department; Repair, there must be a document approved by the planning department).
The borrower can mortgage the property of its own, * * owned or third-party natural person, or pledge the securities recognized by the lending bank, such as national debt and bank time deposit certificates. If the borrower uses the property owned by * * * or a third party as collateral, it must obtain the consent of * * * or a third party and go through notarization.