Provident fund generally refers to housing provident fund, and users with such needs can apply for a joint provident fund card. The provident fund co-branded card has many functions, and it has more functions of housing provident fund deposit voucher than ordinary bank cards, so it can be used with confidence. The bank card to which the provident fund belongs is formulated according to different situations in different places, usually the debit card of UnionPay. At the same time, it should be noted that the bank card receiving the provident fund must be a first-class card, that is, a bank card with unlimited transactions such as transfer, deposit and cash withdrawal, and each bank only allows cardholders to have one first-class card.
Provident fund loan process:
1. preliminary examination: the housing provident fund management center conducts preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount, loan period, etc. After passing the preliminary examination, the center will issue the Notice of Collateral Review and Evaluation;
2. Appraisal: The applicant holds the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated;
3. Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center. Qualified, the center issued the "housing provident fund management center entrusted loan investigation notice";
4. Handling the guarantee procedures: The applicant shall handle the guarantee procedures according to the guarantee method chosen by himself with the Notice of Investigation on the Entrusted Guarantee Loan of the Housing Provident Fund Management Center. If mortgage guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution;
5. Sign a loan contract;
6, housing fund management center and the entrusted bank loan agreement;
7. The borrower directly submits a loan application to the housing fund management center, and the entrusted industry can summarize the borrower's application according to the needs and submit it to the housing fund management center for approval;
8 housing fund management center approved the amount, duration and interest rate of each loan, and signed an entrusted loan contract with the entrusted bank.
To sum up, the bank to which the provident fund is withdrawn is formulated according to different situations in different places, generally the debit card of UnionPay. The provident fund co-branded card has many functions, and it has more functions of housing provident fund deposit voucher than ordinary bank cards, so it can be used with confidence.
Legal basis:
Article 15 of the Regulations on the Management of Housing Provident Fund
Units employing employees shall, within 30 days from the date of employment, go to the housing provident fund management center for deposit registration, and go to the entrusted bank for the establishment or transfer of employee housing provident fund accounts with the audit documents of the housing provident fund management center.
Where the unit terminates the labor relationship with the employee, the unit shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center to register the change, and go to the entrusted bank to handle the transfer or sealing procedures of the employee housing provident fund account with the audit documents of the housing provident fund management center.