Conditions to be met for handling provident fund:
It has paid the housing provident fund continuously for more than half a year before the application, and the accumulated time to pay the provident fund is not less than 2 years;
No outstanding provident fund loans? ;
Have a permanent residence in this city or a valid residence certificate;
Have stable professional and economic income, good credit, and the ability to repay the principal and interest of the loan.
Provident fund loan processing flow:
The borrower can submit a written application for housing provident fund loan to the loan bank and submit relevant materials, and the loan bank will submit it to the housing provident fund management department for approval, or directly apply to the housing provident fund management department for approval;
The borrower approved by the housing provident fund management department shall sign the loan contract and guarantee contract with the loan bank, and handle the mortgage registration, insurance, notarization and other related procedures;
According to the loan contract, the loan bank will transfer the loan to the special account for selling houses set up by the developer in the loan bank or directly to the deposit account opened by the borrower in the loan bank;
The borrower opens a repayment account in the loan bank and repays the loan principal and interest on schedule according to the repayment method and repayment plan agreed in the loan contract;
After the loan is settled, the borrower obtains the Loan Settlement Certificate from the loan bank, retrieves the mortgage registration certificate and the original insurance policy, and goes through the mortgage registration cancellation procedures at the original mortgage registration department.