The processing flow of housing provident fund loan is as follows: 1. When applying for housing provident fund loans, borrowers need to submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide relevant information, such as housing provident fund deposit certificate, identity certificate, family stable income certificate, purchase contract, collateral valuation certificate and other information required by the provident fund center. 2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time; 3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results; 4. The bank shall notify the applicant to go through the loan formalities according to the approval result of the provident fund center, and the borrower shall sign the loan contract and other relevant documents 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 bank will allocate the entrusted loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract; 5, the borrower to the real estate registration department for real estate mortgage registration procedures. The specific procedures vary from place to place, and the provisions of the local housing provident fund management center shall prevail. Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees. If an individual who participates in the basic old-age insurance dies due to illness or non-work, his survivors can receive funeral grants and pensions; Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance. The required funds are paid from the basic old-age insurance fund. Every urban employee must pay individual housing provident fund from the date of joining the work to the time of retirement or termination of labor relations; The employee's unit should also pay the housing provident fund for employee subsidies as required. According to the provisions of Article 16 of the Insurance Law of People's Republic of China (PRC), individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis when they reach the statutory retirement age and have paid for 15 years. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.

2. What is the loan process of Anshan commercial loan to housing provident fund?

1. The loan applicant receives and fills in the loan application approval form from the center. 2. The original commercial loan bank confirms the principal balance of commercial loans and whether it is overdue on the Loan Application Approval Form. 3. The center approves and designates the bank entrusted to handle provident fund loans. 4. The loan applicant will hand over the original title certificate to the guarantee company (City Real Estate Guarantee Co., Ltd.) and pay off the original commercial loan with the funds provided by the guarantee company. The Borrower submits the Application Form for Cancellation of Other Right Certificates and Other Rights of the House Mortgaged by the Original Commercial Loan to the Guarantor. 6. The guarantee company handles the guarantee procedures for the provident fund loan for the borrower. 7. The entrusted bank handles the loan procedures for the provident fund and divides the borrower's loan. Guarantee company 8. The guarantee company handles the cancellation of other rights of the original commercial loan and the registration of other rights of the provident fund loan mortgage for the borrower. 9. The guarantee company informs the borrower to get back the house ownership certificate 10, and the borrower repays the loan from the guarantee company with the provident fund loan.

3. What are the loan procedures for housing provident fund loans?

What is the loan procedure of housing provident fund loan? Loans are approved one by one. Basic loan procedure: (1) The loan applicant applies to the client or the institution designated by the client; (two) the client and its designated institutions to review the loan applicant; (3) Fill in and sign relevant contracts and documents; (4) issuing loans. Specific loan procedures shall be formulated by the entrusting party. Personal credit evaluation: If it is necessary to evaluate the borrower's personal credit according to the provisions of the client, the borrower must apply for personal credit evaluation from a personal credit evaluation institution recognized by the client, and the borrower will issue a personal credit evaluation report. Collateral evaluation: If it is necessary to evaluate the house purchased by the borrower and the house to be mortgaged according to the provisions of the client, the borrower shall apply to the evaluation agency recognized by the client for evaluation, and the borrower shall issue a collateral evaluation report. Loan secured loan can be secured by guarantee, mortgage, pledge, mortgage plus guarantee, mortgage plus insurance, etc. The client shall determine the specific way of loan guarantee according to the borrower's situation. Guarantee: (1) The guarantor shall have legal personality, meet other statutory conditions for providing guarantee and be approved by the client; (2) The loan guarantee provided by the guarantor for the borrower is full joint liability guarantee. If it is otherwise stipulated by the client, it shall be implemented according to the provisions; (3) The guarantee period is from the date of debt performance to two years after the expiration of debt performance. If it is otherwise stipulated by the client, it shall be implemented according to the provisions; (four) after completing the relevant procedures of guarantee and loan, the loan can be issued; (5) The trustee and the guarantor must sign a written contract. When the guarantor is changed or revoked, the guarantor shall promptly notify the client. If the client thinks it is necessary to provide a new guarantee, the borrower shall provide a new guarantee and go through the relevant formalities.