Is it troublesome to apply for provident fund loans?
Applying for provident fund loans is a little more troublesome than applying for ordinary loans, because you need to meet some conditions of the local housing provident fund management center before you can apply for provident fund loans. Such as the applicant's ID card, photocopy, income certificate of the applicant, deposit certificate of the applicant's provident fund, photocopy of the applicant's household registration book (including the first page and the first page), photocopy of the land use certificate, photocopy of the house sales permit, purchase contract and down payment, and a copy of the above materials and marriage certificate of the spouse is also required for married people.
What are the procedures for handling provident fund loans?
1. To apply for housing provident fund loans, borrowers need to submit a written application to the municipal housing provident fund management department, then fill in the housing provident fund loan application form and provide relevant information truthfully.
2 city housing provident fund management office is responsible for the borrower's qualification, guarantor's qualification, loan amount and loan period to review and complete the contract, sign relevant contracts or agreements with the borrower, and handle insurance.
3. After the loan formalities are completed, the municipal housing provident fund management department will issue the loan to the bank, and the bank will handle the loan after receiving the certificate and transfer the loan to the designated account opened by the developer in the bank.