According to Article 15 of the Measures for the Administration of Housing Provident Fund Personal Loans in Hefei, the outlets of the management center handling housing provident fund loans will review and evaluate the authenticity and legality of the documents and materials submitted by the borrowers, interview the borrowers, and refer to the credit status of the borrowers (including their spouses) inquired through the personal credit information basic database of the People's Bank of China and the personal credit database approved by the credit authorities, and review the qualifications and credit standing of the borrowers.

If the loan is approved, the borrower shall sign a loan contract and related contracts or agreements with the management center or the loan handling agency entrusted by the management center. If the house purchase guarantee is adopted, the guarantee formalities shall be handled with the guarantee company; If mortgage or pledge is adopted, the mortgage registration formalities shall be handled or the payment shall be frozen and kept.

Extended data:

Provisions on relevant requirements for individual housing loans:

1. The loan period is less than 20 years (including 20 years). In principle, the sum of the borrower's age and loan period shall not exceed 5 years after his statutory retirement age, and he must apply for a loan before retirement.

2. The loan interest rate shall be subject to the interest rate stipulated by the People's Bank of China. During the loan period, if the legal interest rate is adjusted and the loan term is one year, the interest shall be calculated according to the interest rate agreed in the contract; If the loan term exceeds one year, it will be implemented at the new interest rate of 1 from the following year.

3, the borrower to the management center for housing provident fund loan business outlets to receive, fill in the "Hefei housing provident fund personal housing loan application form", together with the relevant supporting materials to apply to the management center.

Hefei housing provident fund management center-Hefei housing provident fund personal loan management measures