Handling process of CCB provident fund loan

1, apply. The loan applicant submits a written loan application and submits relevant materials, which will be accepted by the Construction Bank and submitted to the housing provident fund management department or directly applied to the housing provident fund management department;

2. Sign the contract. After the loan application is approved by the housing provident fund management department, the Construction Bank will sign a loan contract and a guarantee contract with the borrower. The borrower who chooses the entrusted deduction method must open a dragon card or savings account in China Construction Bank;

3. Mortgage registration and insurance. The Construction Bank shall, in accordance with the requirements of the loan contract and the housing provident fund management department, handle the formalities of housing mortgage registration, contract notarization, housing insurance, etc.

4. expenditure. According to the loan contract, CCB will open a loan account for the borrower and transfer the loan funds to the seller's special account for house purchase or other designated accounts;

5. Repay on schedule. According to the repayment plan and repayment method agreed in the loan contract, the borrower entrusts the Construction Bank to deduct money by stages or go to the counter of the Construction Bank to repay the principal and interest of the provident fund loan on schedule;

6. Change of contract. During the execution of the contract, the borrower may apply to the Construction Bank or the housing fund management department for changing the loan term, repayment method, prepayment, etc. After examination and approval, the Construction Bank will handle the contract modification procedures for the borrower;

7. loan settlement. The Construction Bank issues the Loan Settlement Certificate for the borrower, and the borrower gets back the mortgage registration certificate and other documents, and goes through the mortgage registration cancellation procedures at the original mortgage registration department.

Legal basis: Article 2 of People's Republic of China (PRC) Social Insurance Law.

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.