Provident fund loan is the simplest and most convenient way to borrow money to buy a house or decorate it. Some friends may not know much about the process of provident fund decoration loan and how to borrow it. Here, I will give you a detailed explanation. The main purpose of the provident fund is to borrow money to buy a house or decorate it. The provident fund cannot be used for other capital needs, so you should know how to use it. If it is a husband-and-wife loan, we need the information of both parties to apply, and the amount needs to be approved.

Provident fund renovation loan process

First, the provident fund renovation loan process should be submitted first.

1. For the purchase of commercial housing and affordable housing, when signing the purchase contract with the selling unit, the selling unit shall receive the Approval Form for Housing Provident Fund Loan Application, fill in the form and prepare relevant materials to determine the loan amount;

2, construction, overhaul from the housing, with the approval documents of the land, planning and management departments, to apply for loans to the Changchun Housing Provident Fund Management Center;

3. Buy private houses (second-hand houses) with complete property rights and apply to Changfang Replacement Guarantee Co., Ltd. ..

Second: banks or financial institutions conduct audits.

The unit or guarantee company will submit the borrower's information together with the purchase contract, down payment receipt and other materials to the Municipal Housing Provident Fund Management Center for review.

Third: sign a decoration loan contract.

After the examination and approval of the housing provident fund management center, notify the borrower to sign a loan contract with the bank. And handle the contract notarization, collateral insurance and other related procedures.

Fourth: find a guarantee.

1. Where the commercial housing and affordable housing built by the developer who signed the Housing Provident Fund Loan Cooperation Agreement with the Center are purchased, the developer shall undertake joint and several liability guarantee for the borrower by stages before the house is formally mortgaged;

2. If you buy a second-hand house with a property right certificate and a land certificate, you can go directly to the mortgage department of the city real estate trading center for mortgage registration, and go through the relevant formalities of other house ownership certificates at the property right registration and certification center;

3, provident fund renovation loan process. The purchase of second-hand houses with property certificates and no land certificates shall be guaranteed by the guarantee company.

Fifth: after the approval, the bank lends money.

After the borrower has gone through all the above procedures, the Center will issue a "Decision on Granting Lending" to the entrusting bank to inform the bank to lend.

Sixth: Late repayment.

How to borrow provident fund loans for decoration?

1. How to borrow provident fund loans for decoration and how to apply for provident fund?

1 first, apply according to the requirements of provident fund loans, and the decoration must meet certain standards, which does not mean that all decoration can be financed by provident fund loans. If an overhaul is to be carried out, the approval documents of the relevant departments must be obtained.

2. Bring all the materials to the provident fund management center to apply for a loan. You need to fill in the relevant forms and submit all the materials.

3. review. This step requires the staff of the provident fund center to operate, and the audit is still very strict. If it does not meet the relevant standards, the provident fund center will not be able to approve it.

Of course, if the materials you declare are true and meet the requirements of the loan, you can get the approval of the provident fund center.

4. How to borrow for the renovation of provident fund loans? After passing, a loan contract can be signed. The staff will inform you to sign a loan contract with the bank, and you will also go through relevant procedures, such as collateral insurance or other notarization procedures.

Second, for provident fund renovation loan information

1, my ID card. If I am married, I need to provide proof of husband and wife identity and marriage certificate.

2. Provide proof of repayment ability. If you have a job and need to provide your income, just go to the bank and print the running bill.

3. Provide proof that you have paid the housing provident fund. The time of proof of payment in each city is different, some may be half a year, and some may be more than one year.

4. Issue the purchase contract or relevant agreement signed with the sales department and the documents approved by relevant departments.

5. Fill in the loan application approval form.

6. Generally speaking, the voucher for down payment cannot be less than 20%. If it is used to decorate the house, the decoration cost should be no less than 30%.

Provident fund is a great help to many friends who need to buy a house or decorate, so we need to know the loan process of provident fund decoration and how to borrow money, and apply according to our actual situation. If the husband and wife borrow money together, they should prepare more materials. Of course, don't forget that it is best to plan the repayment before the loan, and determine the loan amount and repayment method according to your own economic income to avoid the adverse effects caused by overdue.