What to do if the provident fund has a loan record in another place?

The method is as follows:

1. First, the applicant needs to issue a non-housing provident fund loan at the provident fund management center in the place where the deposit is made. Record certificate, housing provident fund payment certificate and housing provident fund payment details for the 12 months before the loan application time.

2. Secondly, the applicant (and spouse) must meet the city’s housing provident fund loan requirements and housing provident fund application and deposit standards, and have never used a housing provident fund loan in the place of deposit.

3. Applicants need to provide the housing provident fund loan application materials specified by our city, as well as a certificate of no housing provident fund loan record issued by the housing provident fund management center at the place of deposit, a certificate of housing provident fund payment and deposit status, and a loan application Housing provident fund payment details for the 12 months before the time point.

It should be noted that the applicant and his or her spouse are only allowed to apply for one off-site housing provident fund loan; and the applicant’s housing provident fund account balance determination standards, loan limit calculation and loan period for the off-site housing provident fund loan shall be in accordance with the city’s regulations Housing provident fund loan policy provisions.

Can the provident fund loan records of other places be checked?

Can the provident fund loan records of other places be checked. Provident fund loans refer to loans enjoyed by employees who have paid housing provident funds. According to national regulations, all employees who have paid housing provident funds can apply for personal housing provident fund loans in accordance with the relevant provisions of provident fund loans.

Provident fund loans refer to personal housing provident fund loans. They are local housing provident fund management centers. They use the housing provident funds paid by employees who apply for provident fund loans to entrust commercial banks to provide loans to those who purchase, build, renovate, and overhaul self-occupied houses. House mortgage loans issued by housing provident fund depositors and retired employees who paid housing provident funds during their employment. Employees who have paid housing provident funds for a certain period of time or more in accordance with regulations can apply for provident fund loans when they have insufficient funds to purchase, build, renovate, or overhaul their own homes.

The conditions for provident fund loans are as follows:

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans;

2. Those who participate in the housing provident fund system must also meet the following conditions when applying for a housing provident fund personal home purchase loan: that is, they must have continuously paid and deposited the housing provident fund for no less than six months before applying for a loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and risks will easily arise after the loan is issued;

3. One spouse applies for a housing provident fund loan. Before the principal and interest of the loan are repaid, neither spouse can obtain a housing provident fund loan. Because housing provident fund loans are financial support provided to meet the basic housing needs of employee families, and are a kind of "housing security" financial support;

4. When a loan applicant applies for a housing provident fund loan, In addition to having a relatively stable economic income and the ability to repay the loan, there must be no other outstanding debts with a large amount that may affect the ability to repay the housing provident fund loan. When employees are burdened with other debts, granting housing provident fund loans is very risky and violates the principle of safe operation of housing provident funds;

5. The maximum term of provident fund loans shall not exceed 30 years. When applying for a portfolio loan, the loan terms of the provident fund loan and the commercial housing loan must be consistent.

Article 26 of the "Housing Provident Fund Management Regulations" Employees who have paid housing provident funds may apply for housing provident fund loans from the Housing Provident Fund Management Center when purchasing, constructing, renovating, or overhauling their own homes.

The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures.

The risks of housing provident fund loans are borne by the housing provident fund management center.

How to check provident fund loan records?

1. On-site inquiry

The borrower goes directly to the loan-issuing bank with his or her ID card to inquire and print a detailed statement of repayment status.

2. Website query

For website query, you need to log in to the website of the Central State Organ Housing Provident Fund Fund Management Center. After entering the homepage, click "Personal Loan Query".

3. WeChat public account inquiry

Borrowers can follow the "Central State Organs Housing Fund Management Center" on WeChat, bind the loan account, and check the repayment status according to the prompts.

Convenient new policies for provident fund

1. The upper limit of the ratio of monthly repayment to monthly income is controlled at 50% to 60%

Use of housing provident fund funds at the end of August 2015 Districted cities with a housing provident fund rate of less than 85% must comprehensively consider local housing price levels, loan demand and borrowers' repayment capabilities to increase the actual amount of housing provident fund personal housing loans. On the premise of ensuring the borrower's basic living expenses, the upper limit of the ratio of monthly repayment to monthly income is controlled at 50% to 60%.

2. Repayment period extension

The loan repayment period can be extended to 5 years after the borrower's legal retirement age, and the maximum loan period is 30 years. Promote the monthly transfer of housing provident funds to offset loan principal and interest.

3. Allow deposit-paying employees to apply for loans from housing provident fund management agencies in the same city

Housing provident fund management centers and sub-centers in the same districted city should unify housing provident fund withdrawal and loan policies and coordinate their use loan funds. When the housing provident fund management center or branch center has insufficient loan funds, depositing employees are allowed to apply for loans from the housing provident fund management agency in the same city. Cities where conditions permit should actively promote the securitization business of housing provident fund personal housing loans and revitalize housing provident fund loan assets.

4. Simplify the off-site loan process

If deposit-paying employees purchase a house outside the place of deposit, they can apply for an individual loan from the Housing Provident Fund Management Center of the place of purchase according to the personal housing loan policy of the housing provident fund in the place of purchase. Home loans. The housing provident fund management centers at the place of deposit and the place of purchase should cooperate with each other to issue and confirm deposit certificates and other materials in a timely manner and handle loan procedures. At the same time, if employees who contribute to the housing provident fund apply for personal housing loans and agree to calculate their monthly income based on their monthly housing provident fund payment, the unit does not need to issue proof of employee income. When applying for withdrawing housing provident funds from rented commercial housing for employees, no other supporting documents are required except for identification and proof that you and your spouse do not own a house.

Deposit-paying employees who purchase a house outside the place where the deposit is made can apply for a personal housing loan from the Housing Provident Fund Management Center of the place of purchase in accordance with the personal housing loan policy of the housing provident fund in the place of purchase.