The borrower holds a copy of the house purchase contract and the developer's house sales license, ID card, housing provident fund savings magnetic card and seal (marriage certificate or other proof of husband-wife relationship is required for couples to use housing provident fund loans) to apply for housing provident fund loans to the real estate credit departments of CCB in all districts and counties, and fill out the Application Form for Individual Housing Provident Fund Loans (Combined Loans).
Step 2: Bank audit
According to the information provided by the borrower, the loan bank examines whether the borrower meets the loan conditions, calculates the loan amount and determines the loan term.
Step 3: Sign a loan contract with the loan bank.
After the loan bank examines the borrower's application, the borrower signs a loan contract and a mortgage contract with the bank (signing a pledge contract without housing guarantee). Consortium lending
Step 4: Go to the property right department to handle the loan guarantee procedures.
There are two ways to guarantee housing provident fund loans (portfolio loans), and borrowers can choose either one according to their actual situation.
Step 5: Go through the formalities of housing mortgage insurance.
After the borrower completes the mortgage or pledge formalities in the property right department, it shall submit the loan information together with the loan contract, mortgage contract (pledge contract), house ownership certificate and mortgage certificate to the loan bank for household insurance procedures.
Step 6: Sign the repayment agreement and transfer money.
If repayment is made by withholding savings card, the borrower shall go to the savings outlets of CCB to apply for withholding savings card repayment, and sign a withholding agreement with the lending bank. Where the entrusting unit withholds repayment, the unit shall sign an agreement with the loan bank.
Step 7: Bank Transfer
The borrower shall go to the loan bank to handle the payment formalities according to the time agreed with the loan bank, and the loan bank will transfer the money to the selling unit; The borrower shall withdraw the loan for repair and construction as agreed in the loan contract.
Please refer to the above answers provided by Ronglian Ye Wei.