Provident fund loan process:

1. To apply for housing provident fund loan, the borrower shall submit a written application to the bank, fill in the application form for housing provident fund loan and truthfully provide the following information:

(a) the applicant and spouse housing provident fund deposit certificate;

(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;

(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

(VI) The Provident Fund Center requires a third-party guarantor to provide a guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract.

(seven) other information required by the provident fund center.

2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time.

3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.

4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.

How to borrow housing provident fund

When we are looking for a job, we all ask the unit to pay us five insurances and one gold, one of which refers to the provident fund. As we all know, the provident fund is for us to buy a house in the future. When the economic situation is not very affluent, most people will use loans. Compared with commercial loans, provident fund loans are much cheaper, which can greatly alleviate people's repayment pressure. So how to loan housing provident fund? Next, let's take a look at how the provident fund is loaned.

Housing provident fund loan process:

loan application

If a lender wants a provident fund loan, the first step is to go to the bank to submit a written application and fill out an application for housing provident fund loan. If the loan application materials are complete, the bank will transfer the applicant's loan application to the provident fund management center. Among them, the materials required for the loan include the purchase contract, the down payment receipt of the purchase, and the household registration book. If the lender is married, the original and photocopy of the marriage certificate, the identity cards of both husband and wife, etc. It is also necessary.

preliminary examination/check

After receiving the loan application, the housing provident fund management center will conduct a preliminary examination of the submitted application materials, including the applicant's loan amount, loan term and loan qualification. If the applicant meets the loan conditions in all aspects, the housing provident fund management center will issue a notice of mortgage review and evaluation.

estimate

The Lender carries the Notice of Collateral Examination and Evaluation to the designated evaluation institution to evaluate the purchased house.

audit

The loan applicant presents the appraisal report issued by the appraisal agency and the preliminary examination materials of the provident fund center to the management center for review, and the provident fund management center will review the materials of the lender within 10 working days and make a decision on whether to approve the loan. After the approval, the management center will issue the Notice of Investigation on Entrusted Loans of Housing Provident Fund Management Center.

guarantee

After the re-inspection is successful, the lender shall choose a guarantee method acceptable to him to handle the guarantee formalities.

sign a contract

After the applicant pays the required items with the Personal Housing Provident Fund Loan Acceptance Form of the guarantee company, the lender and the bank can sign a contract, and the bank will sign a guarantee contract and a loan contract with all loan applicants and guarantors respectively.

:: Issuance of loans

After the loan formalities are completed, the bank will directly transfer the loan to the seller's designated account in the bank.

This is probably the loan process of housing provident fund. After the loan is approved, the lender needs to repay the loan on time every month according to the repayment method agreed in the loan contract. If repayment is to be made in advance, it must be completed one year later, and the lender needs to apply to the bank for settlement 10 working days in advance.

Conditions to be met for provident fund loans:

The first restriction of provident fund loan is that the lender needs to continuously deposit the provident fund for more than 6 months, and the provident fund is in a normal deposit state when applying for a loan. If the provident fund has been broken in the process of payment, 1 year can be repaid no more than three times. After successful payment, you can apply again.

Lenders and family members have no outstanding provident fund loans and discount loans. If a family member has applied for a provident fund loan, neither husband nor wife can apply for a provident fund loan again without paying off the provident fund loan. Because the provident fund is the state's financial support for the basic housing needs of workers' families.

Another limitation of provident fund loans is that it does not affect the lender's repayment ability of provident fund loans. Lenders cannot have other large outstanding debts, so applying for provident fund loans also needs to ensure the lender's repayment ability. Therefore, the general lender who applies for provident fund loans must have a stable job, a stable source of income and a certain repayment ability, otherwise the housing provident fund cannot operate safely.

In addition, provident fund loans have a loan term limit, and the longest loan leave cannot exceed 30 years. If it is a portfolio loan, the loan term of commercial loan and provident fund loan should be the same.

Repayment method of provident fund loan:

1. Equal repayment of principal and interest

Matching principal and interest means that the monthly repayment of principal and interest by the lender is certain, but the monthly repayment of principal will increase month by month, while the corresponding loan interest will decrease.

2. Equal principal repayment

Average capital means that the monthly repayment of the principal by the lender is fixed, while the monthly principal and interest are reduced.

Generally speaking, when making a housing provident fund loan, it is necessary to examine the applicant to see whether the applicant's loan qualification, loan amount and loan term meet the loan conditions. If you meet the requirements, you can get a loan. Compared with commercial loans, provident fund loans not only shorten the loan period, but also ease the repayment pressure, which is a very practical loan method. The above is my answer to how to borrow housing provident fund, hoping to help you.

How to use provident fund loans

Provident fund loan process:

1. The loan applicant shall go to the loan handling department to conduct the preliminary examination of the provident fund loan with the materials required for the housing provident fund loan application.

2 in accordance with the provisions of the need for personal credit assessment of the loan applicant, the loan applicant shall sign the "credit assessment authorization" under the supervision of the staff of the loan handling department.

3. The staff of the loan processing department prints the relevant documents and tells the loan applicant how to go through the next procedure.

4. If the house purchased by the loan applicant needs to be assessed according to the regulations, the staff of the loan handling department will also issue a notice of collateral assessment to the loan applicant, and the loan applicant or entrusted agent will apply for collateral assessment at the assessment agency designated by the Beijing Housing Provident Fund Management Center.

1. When the borrower applies for a provident fund loan in the management department of the provident fund management center where the provident fund is deposited, and chooses the guarantee center to provide guarantee, it shall submit all the materials required for the individual to apply for a loan, including the personal and spouse's 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.

2. After the loan application is approved in the first instance, 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 all personal loan information to the guarantee center.

3. The guarantee center shall review the guarantee application, and if the borrower meets the guarantee conditions, the guarantee center shall issue a letter of approval 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. )

4. 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. The audited personal loan application materials (including the sealed contract) are transferred to the Housing Provident Fund Management Department by the guarantee center; If an intermediary agency is entrusted, the intermediary agency shall be responsible for the transmission of the above information.