Second, provident fund loans refer to loans enjoyed by employees who have paid housing provident fund. According to national regulations, all employees who pay provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans.

Three. Procedures for handling provident fund loans

1. The borrower goes to the branches of the provident fund center to collect and truthfully fill out the Application Form for Housing Provident Fund Loan, and submit relevant materials to the provident fund center for review;

2, provident fund center branches by examining the authenticity of the borrower's purchase and repayment ability, put forward the loan amount and duration of the proposal, after passing the preliminary examination and signed by the person in charge of the branch, and then reported to the municipal provident fund center for approval;

3. After review, the Municipal Provident Fund Center makes a decision on granting or not granting the loan, and returns the loan materials to all branches;

4 loans, the branches of the provident fund center will transfer the loan materials to the entrusted bank, and the entrusted bank will notify the borrower and the mortgage guarantee parties, and sign the "Housing Provident Fund Loan Contract" to handle the mortgage guarantee procedures; For those who do not meet the loan conditions, the branch shall notify the loan applicant and explain the reasons;

5. The entrusted bank issues loans to borrowers.