The application process of Shanghai provident fund renovation loan is as follows: Step 1: If you apply for 1 to purchase commercial housing and affordable housing, you should sign a purchase contract with the selling unit, and at the same time receive the Approval Form for Housing Provident Fund Loan Application from the selling unit, fill in the form and prepare relevant materials to determine the loan amount; 2, the construction and overhaul of self-built houses, with the approval documents of the land and planning management departments, apply for loans to the housing provident fund management center; 3. If you buy a private house (second-hand house) with complete property rights, you should apply to Changfang Replacement Guarantee Co., Ltd. Step 2: Review the house selling unit or guarantee company and submit the borrower information together with the purchase contract, down payment receipt and other materials to the Municipal Housing Provident Fund Management Center for review. Step 3: Sign a loan contract. After the approval of the housing provident fund management center, notify the borrower to sign a loan contract with the bank. And handle the contract notarization, collateral insurance and other related procedures. Step 4: Ensure 1. The purchase of commercial housing and affordable housing built by the developer who signed the housing provident fund loan cooperation agreement with the center shall be guaranteed by the developer for the borrower in stages before the house is officially mortgaged; 2. If you buy a second-hand house with a property right certificate and a land certificate, you should go directly to the mortgage department of the city real estate trading center for mortgage registration, and go through the relevant formalities to the property right registration and certification center for other house warrants; 3, the purchase of second-hand housing with property certificate, no land certificate, the guarantee company shall bear the guarantee responsibility. Step 5: After the bank loan borrower completes all the above procedures, the Center will issue a loan decision to the entrusting bank to inform the bank to lend money. Step 6: Repayment The borrower repays the bank on a monthly basis according to the monthly repayment amount agreed in the loan contract.

Second, how to borrow the Shanghai provident fund decoration loan?

Legal subjectivity: The application process of Shanghai provident fund renovation loan is as follows: first, apply for a loan to the housing provident fund management center, then submit the documents such as the purchase contract and the proof materials for paying the provident fund, then the housing provident fund management center will review it, and finally conclude a loan contract and issue the loan according to law.

Legal objectivity: Article 26 of the Regulations on the Management of Housing Provident Fund states that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall, within 05 days from the date of accepting the application, make a decision on whether to grant the loan or not, and notify the applicant; If the loan is granted, the entrusted bank shall handle the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center. "Regulations on the Administration of Housing Provident Fund" Article 27 An applicant applying for a housing provident fund loan shall provide a guarantee.

Third, how to borrow money for the transformation of Shanghai provident fund?

I. Establishment of Shanghai Provident Fund

1. The borrower shall apply to the acceptance outlet.

2. Accepted by the accepting outlets.

3. sign the contract.

4. recognition.

5. Go through the mortgage registration formalities.

6. Bank loans.

Two. The materials required for the loan are as follows:

1. The borrower, spouse, co-borrower, the original title certificate and the nursing staff (if any) shall be present to sign. If you can't be present, you should provide a notarial certificate issued by the notary office.

2. If the borrower is married, it needs to be mentioned. If a single person needs to fill in the single commitment letter, the divorced person needs to provide the original and photocopy of the divorce certificate and divorce agreement or divorce judgment.

3, overhaul occupied housing should provide the original and photocopy of the approval documents issued by the urban real estate department.

4. The original and photocopy of the acceptance certificate issued by the construction unit.

5. The original and photocopy of the project contract and related annexes.

6. Business of the construction unit

7, the construction party collection account.

8. The original and photocopy of the repayment passbook or debit card issued by the lending bank supporting the universal deposit and withdrawal function.

9. Large originals and photocopies.

Extended data:

If you want to apply for a decoration loan, you must know more about it. In addition to the above, you should also pay attention to the following issues:

1. If the mortgage loan for commercial housing has not been settled, the decoration loan will be issued. But generally speaking, the sum of the amount of the applied loan and the original mortgage loan cannot exceed the housing standard, and it shall be implemented according to the actual situation in various places. For example, Miss Ge in the last case, the maximum amount should be 4.520 = 4.5).

2. The advantage of provident fund renovation loan is not only that it is convenient and quick to handle housing loans with the same interest rate, which is lower than commercial loans by more than 1 percentage point. It is more cost-effective to save interest, and the repayment method is free and flexible.

There will be evaluation fees and handling fees in the process, so before handling,