1. The provident fund center of the loan city accepts the consultation of employees' loan business in different places and informs them of the audit materials required for loans at one time;
2. The employee himself or his/her client applies to the deposit center of urban provident fund, and the deposit center verifies the employee's deposit of loans according to the employee's application, and issues the Certificate of Deposit and Use of Housing Provident Fund for Employees who have never used the housing provident fund or whose first housing provident fund loan has been settled;
3. After accepting the employee's application for loan from different places, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Loan from Different Places to the deposit city provident fund center. If the verification is correct, the loan examination and approval procedures shall be performed within the prescribed time limit, and the results shall be fed back to the city provident fund center. Deposit into the city provident fund center to identify the loan situation of employees in different places, and establish a detailed account of the loan situation of employees in different places;
4. During the loan repayment period in different places, if the personal account of housing provident fund is transferred, the original deposit city provident fund center shall promptly inform the loan city provident fund center and transfer to the city provident fund center. Transfer to the city provident fund center should be re-identified and recorded in a timely manner after receiving the employee housing provident fund account;
when the loan from different places is overdue, the deposit city provident fund center should cooperate with the loan city provident fund center to carry out loan collection and other work, and according to the loan contract, the balance of the loan employee provident fund account can be deducted to repay the loan.
materials to be provided when applying for provident fund loans:
1. Commercial housing sales contract;
2. ID card, household registration book and proof of marital status of the applicant and spouse;
3. Work certificate and bank flow;
4. down payment document (1 copy of the original inspection);
5. proof of provident fund deposit (or housing provident fund card);
6. Appraisal report of the purchased house;
7. the house purchase contract signed by the buyer and the seller;
8. Property Ownership Certificate and State-owned Land Use Certificate in the name of the original seller (original and photocopy).