Workers (i.e. loan applicants, the same below) put forward loan intentions and consult with the Housing Fund Management Center of the Autonomous Region (hereinafter referred to as the Management Center). Then I and my spouse's credit report and purchase contract and other procedures are presented to the business hall of the management center for review. If they meet the requirements, they will get the loan application approval. At the same time, prepare relevant materials according to the regulations of the management center.
Second, accept the application:
Employees formally apply to the management center with the completed Loan Application Approval Form and relevant materials to be submitted. After the preliminary examination of the loan front desk (hall) of the management center, the accepted loan application will be transferred to the department for review.
The materials to be submitted for the first-hand housing loan are as follows:
1. Compliant commercial housing sales contract. (1 original and copy, 2 originals)
2. Purchase advance payment receipt or invoice. (3 originals and copies)
3. Marriage certificate. (3 originals and copies)
4. Identity cards of the applicant and his/her spouse. (3 originals and copies)
5. The first and second pages of the household registration book of the applicant and spouse. (3 originals and copies)
6. Other supporting documents required by the Center. ( 1)
Materials to be submitted for second-hand housing loans:
1. Compliant real estate sales contract. (2 originals and photocopies)
2 "Real Estate Ownership Certificate" (3 originals and 3 copies each)
3. Deed tax payment certificate. (3 originals and copies)
4. Marriage certificate (original and 3 copies)
5. Identity cards of the applicant and spouse (3 originals and 3 copies respectively)
6. Home page and page number of the applicant's and spouse's household registration book (3 originals and photocopies)
7 "Housing Ownership File Access Sheet" (3 originals and 3 copies each)
8. Other supporting documents required by the Center. (2)
III. Approval:
The loan department shall review the integrity and authenticity of the loan application and materials, put forward specific preliminary opinions after passing the examination, and transmit them to the center for examination and approval. After the compliance center has passed the examination, it will entrust the bank to sign the contract.
Under normal circumstances, the management center holds a loan review meeting every Tuesday and Thursday morning.
Fourth, sign the contract:
The entrusting bank shall review the loan according to the entrusted loan notice of the management center. If there is no objection, you can sign a loan contract with the employee and go through the mortgage registration formalities.
Verb (abbreviation for verb) mortgage registration:
Intransitive verb loan:
After all loan contracts are signed, the entrusting bank can go through the loan procedures. At the same time, the loan contract and related materials will be sent to the management center for filing.
Housing provident fund loans are generally transferred according to the following principles: the money from first-hand housing loans must be transferred to the selling unit; Second-hand housing loans are transferred to the borrower's account.
Seven. Loan repayment:
Employees shall repay the loan principal and interest in full and on time every month as agreed in the contract. (3)
note:
① After the loan application is approved by the management center, the employee shall go through the loan issuance formalities within one month, otherwise the Letter of Entrusted Loan will automatically become invalid.
(2) The loan application must follow the principle of honest loan application, and fraud is not allowed. ③ The whole process (excluding the seventh link) usually takes one to two weeks.
Reference data
Application materials for housing provident fund loans-first-hand housing loans.
Housing provident fund loan application materials-second-hand housing loans.
Description of business process of housing provident fund loan.