Paying provident fund is also a loan. First of all, there must be a premise: the remittance company must have the remittance qualification, so that the remitted provident fund is legal, and then the loan can be made. But how much you can borrow depends on the deposit time of the customer's provident fund, the monthly deposit amount of the provident fund and the balance of the provident fund account.
How to use provident fund loans to buy a house? 1. Submit the application for provident fund loan.
If it is necessary to use the provident fund loan, the lender needs to submit a loan application to the provident fund management center in the city where it is located, and provide the information needed for the loan.
2. Preliminary review of provident fund loans.
After receiving the lender's loan application, the provident fund management center will review the lender's qualification, loan amount, loan term, loan information and other information and put forward opinions.
3. Sign the provident fund loan contract.
After the lender passes the audit of the provident fund center, it receives the notice from the loan signing bank. At this time, the borrower only needs to carry ID card, household registration book, bank account number and other materials within the specified time to go through the loan contract signing procedures at the signing bank.
4. home insurance and mortgage registration procedures.
After signing the loan contract with the bank, the lender must go through the insurance and mortgage registration formalities according to the regulations, but the expenses incurred in the process of handling shall be borne by the lender itself.
5. Wait for the provident fund loan.
After the lender goes through the mortgage registration formalities, the loan contract will also take effect. The bank will transfer the loan to the designated account according to the date agreed in the contract and send the loan receipt to the lender.