1. Sign the payment agreement.

The purchaser carries the original and photocopy of the ID card and provides it to the housing provident fund management center of both husband and wife. Upon examination by the Housing Provident Fund Management Center, if the buyer meets the loan conditions of the housing provident fund, the buyer and the seller shall sign a loan fund transfer payment agreement.

2. Entrusted assessment

The loan applicant entrusts a housing appraisal institution recognized by the housing provident fund management center to evaluate the transferred house and issue an appraisal book.

3. Housing transfer

The buyers and sellers handle the house transfer formalities in the real estate registration department, sign the house sales contract, complete the deed tax payment formalities in the tax collection and management center, and obtain the property right certificate after the transfer.

4. Loan application

The loan applicant shall fill in the Application Form for Individual Housing Provident Fund Loan at the Housing Provident Fund Management Center with the materials required for the aforementioned provident fund loan, and make a record of the loan interview.

5. Lending approval

Housing provident fund management center is responsible for the preliminary examination and approval of loan applicants' loan applications.

6. Sign a loan contract

Sign loan contracts, handle insurance and notarization procedures.

7, for housing mortgage registration.

The loan applicant holds the loan contract to the entrusted bank, and after examination and approval, sends it to the accreditation center for housing mortgage registration, and submits the acceptance notice to the housing provident fund management center.

8. Lend loans

The housing provident fund management center shall notify the entrusted bank to issue loans after receiving the "Property Ownership Certificate" from the mortgagor.

9, repayment

The borrower shall repay the loan principal and interest on a monthly basis in accordance with the loan contract.

10, the contract is terminated.

After the borrower pays off the loan principal and interest, the loan contract is terminated and the entrusted bank issues a loan settlement certificate. The lender takes back the mortgage Property Ownership Certificate (combined loan to the entrusted bank) from the housing provident fund management center and goes through the mortgage cancellation registration with the housing property registration department.

Second, the second-hand housing provident fund loan application conditions

1. The loan applicant must establish a housing provident fund account for more than 12 months (inclusive), and at the same time pay the housing provident fund in full for more than 12 months (normal payment includes continuous monthly payment of housing provident fund, early payment and supplementary payment), and be in the state of payment when applying for a loan.

2. With the approval of the Center, employees in the deferred state can apply for loans if they have established a housing provident fund account for more than 12 months (inclusive) and paid the housing provident fund in full 12 months (inclusive).

3. The loan applicant can be a retired employee who has paid the housing provident fund during his working period.

4. Both husband and wife of the loan applicant shall not have outstanding provident fund loan records or policy discount business records.

Tip: the time conditions for establishing housing provident fund account and depositing housing provident fund should be met at the same time; Time when overdue payment fails to establish housing provident fund in advance.

Three. The borrower submits the following loan information:

1, provident fund loan application form;

2, provident fund deposit certificate (or housing provident fund account book) and proof of economic income;

3, the purchase of housing evaluation report;

4. The stock house sales contract signed by the buyer and the seller;

5. The house ownership certificate and state-owned land use certificate under the name of the original seller (original and photocopy);

6. Husband and wife's ID card, household registration book, marriage certificate (original and photocopy, single employees need to provide single proof. )

Extended data:

Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to issue mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their working life.

According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.