Whether changing companies will have an impact on provident fund loans depends on specific circumstances:

If the customer has submitted an application and has paid provident fund in full and on time for six months As mentioned above, changing companies is also very fast. You can change the company before paying the provident fund next month. If the new company also successfully renews the provident fund payment, it will not have much impact on the provident fund loan that is being processed.

If the customer has not yet applied for a provident fund loan and has not yet found a new company, the provident fund account has been sealed due to suspension of payment, which may affect the processing of provident fund loans. After all, when the provident fund account is in a sealed state, the customer cannot apply for a provident fund loan. The account must be in a normal payment state.

Process for housing provident fund loans:

Lenders applying for housing provident fund loans must submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information:

Proof of housing provident fund payment of the applicant and his/her spouse;

Proof of identity of the applicant and his/her spouse (referring to resident ID card, permanent residence booklet and other valid residence documents), documents proving marital status;

< p>Proof of stable financial income of the family and other certificates of claims and debts that have an impact on repayment ability;

Valid supporting documents such as contracts and agreements for purchasing a house;

Mortgage used as guarantee Property and pledge list, ownership certificate and proof that the person with the right to dispose of the property agrees to mortgage or pledge, and the mortgage valuation certificate issued by the relevant department;

The Provident Fund Center requires a third-party guarantor to provide guarantee and pay the The guarantee fee shall be determined by a three-party contract signed by the borrower, the lender and the third-party guarantor.

Other information required by the Provident Fund Center.

For loan applications with complete information, the bank will promptly accept and review them and submit them to the Provident Fund Center in a timely manner.

The Provident Fund Center is responsible for approving loans and notifying banks of the approval results in a timely manner.

The bank will notify the applicant to handle the loan procedures based on the approval results of the Provident Fund Center. The borrower and his wife will sign a loan contract and related contracts or agreements with the bank, and submit the loan contract and other procedures to the Provident Fund Center for review. After approval, the center will allocate the entrusted loan fund, and the entrusted bank will disburse the loan in full and on time as stipulated in the loan contract.

If the guarantee is in the form of a housing mortgage, the borrower must go to the housing property rights management department in the area where the house is located to complete the real estate mortgage registration procedures. The mortgage contract or agreement shall be signed by both husband and wife. If it is pledged with securities, the borrower shall Submit the securities to the management department or alliance center for safekeeping.

Provident fund loan conditions:

Current employees with full capacity for civil conduct and full payment of housing provident fund;

Continuous normal payment of housing provident fund for twelve consecutive months More than 1 month;

Purchase and build a self-occupied house within the administrative area, and have paid off the purchase price of more than the prescribed down payment ratio;

Good personal credit, stable economic income and repayment Ability to borrow principal and interest;

Agree to use the house purchased and constructed as collateral for the loan, or provide a guarantee recognized by the Management Center.