I. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the Application Form for Housing Provident Fund Loans, and truthfully provide the following information:

Proof of deposit of the applicant's and spouse's housing provident fund;

(two) the applicant and his spouse's identity certificate (refers to the resident identity card, residence booklet and other valid proof of residence) and proof of marital status.

(3) proof of family income stability and other proof of creditor's rights and debts that have an impact on repayment ability;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) List of collateral and pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

(six) the provident fund center requires a third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor jointly sign a tripartite contract.

(seven) other information required by the provident fund center.

Two, for the loan application with complete information, the bank accepts the examination in time and submits it to the provident fund center in time.

Three, the provident fund center is responsible for the approval of loans, and timely notify the bank of the approval results.

4. The bank informs the applicant to go through the loan formalities according to the examination and approval results of the provident fund center. The borrower and the husband and wife sign the loan contract and related contracts or agreements with the bank, and send the loan contract and other formalities to the provident fund center for review. After the approval of the provident fund center, the entrusted loan funds will be allocated, and the entrusted bank will pay them in full and on time in accordance with the provisions of the loan contract.

5. If mortgage is used as a guarantee, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.

Extended data:

Matters needing attention in buying a house with provident fund loan:

1. Husband and wife loans apply for provident fund loans: If both husband and wife apply for provident fund loans before or after marriage, as long as one of them has applied for provident fund loans, there will be corresponding records in the core system. Before the last loan is paid off, the husband and wife can no longer use the provident fund loan to buy a second house.

2. Provident Fund Loan Second Suite: If the borrower uses the provident fund loan to buy a house, such as 1 suite, it will be used. Before the provident fund loan is paid off, it is not allowed to apply for a provident fund loan again to buy a second house. Only after the previous housing loan is paid off can the provident fund loan be used again, and it will not be regarded as the second house, but it will still be regarded as the first house operating according to its policies.

Don't use the provident fund before applying for a loan. If the borrower withdraws the balance of the provident fund before the loan pays the house price, the balance of the provident fund in your provident fund account will be zero, so your provident fund loan amount will be zero, which means that you will not apply for a provident fund loan.

4. Don't repay the loan in advance in the first year. According to the relevant provisions of provident fund loans, part of the prepayment should be made after one year of repayment, and the amount you return should exceed the repayment amount of six months.

If you have difficulty in repaying the loan, don't forget to look for the banks around you. Don't insist on it yourself when your solvency drops during the loan period and you have difficulty in repaying the loan. ICBC customers can apply to ICBC for extending the loan term. According to our investigation, if you have not defaulted on the loan principal and interest, we will accept your application for extension.

6. Don't forget to inform when renting a house after the loan. When you rent the mortgaged house during the loan period, you must inform the lessee of the mortgage fact in writing.

7. Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the loan principal and interest, you can cancel the mortgage at the real estate trading center in the district where the property is located with the bank's loan settlement certificate and other immovable property certificates of the collateral.

8. Don't lose the loan contract and IOUs. To apply for a mortgage loan, the loan contract and loan note signed by the bank with you are all important legal documents. As the loan term can be as long as 30 years, as a borrower, you should take good care of your contracts and IOUs.

References:

Shanghai Housing Provident Fund Network-Information Required for Pure Provident Fund Loan