Chongqing housing provident fund loan process:
I. In the process of real estate management:
1. Loan application and preliminary examination: The undertaking bank accepts the borrower's personal loan application for provident fund, verifies the application materials and conducts preliminary examination.
2. Sign the contract and go through relevant formalities: the undertaking bank informs the borrower to sign the contract and go through relevant loan procedures, and then the seller shall go through the mortgage registration with the real estate transaction department where the house is located.
3. Loan issuance: The house selling unit shall submit the mortgage registration related loan information to the undertaking bank, and go through the loan issuance procedures for the loans verified by the bank and the center.
Two, in the process of the establishment of provident fund management institutions or entrusted outlets:
1. Loan application and preliminary examination: the outlets established or entrusted by the provident fund center accept the borrower's personal provident fund loan application, verify the application materials on the spot and issue an acceptance receipt.
2. Sign the contract and go through relevant formalities: The borrower of individual provident fund loan approved by the center shall go through the loan signing and relevant formalities according to the time and place of the signing notice.
3. Mortgage registration: The borrower shall go through the mortgage registration formalities at the real estate transaction department where the house is located with the loan procedures approved by the bank, either by himself or with the cooperation of the selling unit.
4. Loan issuance: The borrower submits the mortgage registration related loan information to the provident fund center, and goes through the loan issuance procedures after it is verified by the provident fund center and the bank. 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. With the characteristics of security, mutual assistance and long-term, it is mainly used for employees to buy, build, rebuild, overhaul and decorate their own houses or pay rent.