One of the new policies of housing provident fund loans: what are the basic conditions for applying for housing provident fund (portfolio) loans?
Apply for housing provident fund (portfolio) loans to meet the following basic conditions:
(1) has a permanent residence in this city or other valid residence status in this city;
(2) Have full capacity for civil conduct, have a stable occupation and income, and have the ability to repay the loan principal and interest;
(three) has not reached the statutory retirement age (it is otherwise stipulated by the state that it can be extended, according to its provisions, but the maximum age should be less than 65 years old);
(4) Before applying for a housing provident fund (portfolio) loan, the employer has opened a housing provident fund account for more than 1 year and continuously paid the housing provident fund 1 year every month, and the employer has not defaulted;
(5) Employees have no outstanding housing provident fund (portfolio) loans;
(6) Employees purchase, build and decorate their own houses;
Workers have used their spouses' housing provident fund to apply for housing provident fund (portfolio) loans, and spouses cannot apply for housing provident fund (portfolio) loans before the loans are paid off.
New housing provident fund loan policy:
What are the procedures for housing provident fund (portfolio) loans? What is the processing time limit?
The processing flow of housing provident fund (portfolio) loan includes 8 steps, and the processing time is 15 working days.
(1) Application accepted by the bank: The borrower brought the required information to the loan bank to apply for a loan, and the loan bank accepted and reviewed it at that time. After verification and confirmation, instruct the borrower to fill in and print the loan application form, and after confirmation, the borrower will transmit the information to the provident fund center;
(2) Preliminary examination of loan: the center conducts preliminary examination of the loan application form at that time, and confirms whether to approve or disapprove the loan application;
(3) Signing loan contract: The borrower shall sign loan contract, loan receipt, entrusted withdrawal agreement and other loan materials within 1 working day; The loan bank shall review and sign the loan contract, loan receipt and entrusted withdrawal agreement within 3 working days;
(4) Loan guarantee: If the guarantee is guaranteed, the guarantee company shall handle the guarantee and counter-guarantee procedures within 6 working days; If there is mortgage guarantee, the loan bank shall go through the mortgage registration formalities within 6 working days; In case of pledge guarantee, the lending bank shall handle the pledge formalities within 1 working day;
(5) Loan approval: the loan bank will submit the loan information to the center for approval within 1 working day;
(6) Loan review: the center will review the loan information within 1 working day and make a decision on whether to lend;
(7) Fund transfer: the Center will transfer the loan funds to the loan bank within 1 working day;
(8) Loan issuance: The loan bank will transfer the loan funds to the seller's or borrower's account within 2 working days.
(The above answers were published on 20 13-02- 19. Please refer to the current actual purchase policy. )
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