Employees who purchase new commercial housing guaranteed by third-party institutions such as real estate enterprises or guarantee institutions may apply for loans before the contract is filed and registered. Otherwise, you should apply for a loan after completing the contract registration.
Workers who purchase re-traded commercial housing should apply for loans after completing the property transfer procedures; If a guarantee institution provides a guarantee, you can apply for a loan first, and then go through the formalities of property transfer.
In the case that commercial loans are repaid first and then loaned, in principle, employees should apply for loans after repaying in advance within the legal time limit after the commercial loan confirmation letter is issued; If the loan is used to offset the loan, the guarantee institution shall go through the loan application procedures.
(2) preliminary examination. The acceptance personnel of the provident fund center, the entrusted bank, the guarantee institution or the handling institution shall conduct a preliminary examination, and each of them shall conduct a preliminary examination of the loan requirements, integrity, consistency and authenticity.
(3) examination and approval. The provident fund center examines the loan risk. The time limit for the approval of the provident fund center loan is 5 working days from the date of receipt of complete information.
(4) review. The entrusted bank shall examine the loans approved by the provident fund center. If the entrusted bank disagrees with the decision made by the provident fund center to grant loans, it may request the provident fund center to re-examine. If the provident fund center believes that there are risks after re-examination, it may revoke the decision to issue loans and inform the entrusted banks and employees.
(5) sign a contract. The entrusted bank shall sign a loan contract with the employee after the audit is correct.
(6) guarantee. The entrusted bank and employees shall handle the guarantee formalities in time according to the loan contract.
(7) borrowing. The entrusted bank uses the business system of the provident fund center to register the issuance of provident fund loans, and transfers the provident fund loan funds into the collection account agreed in the loan contract. The entrusted bank shall complete the loan issuance within 5 working days after the guarantee.
(8) filing. The entrusted banks, guarantee institutions and agencies shall do a good job in the transfer, filing, storage, utilization and destruction of loan files according to regulations. The entrusted bank is responsible for the daily management of loan files, and the provident fund center can call the loan files at any time, or establish a backup of the loan files at the same time.
(9) audit. The provident fund center conducts spot checks and supervision on the provident fund loan activities during and after the event, and the relevant responsible units or departments shall make timely rectification according to the inspection, and the relevant parties shall cooperate.