Housing provident fund loan process:
Lenders applying for housing provident fund loans need to submit a written application to the bank;
For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time;
The provident fund center is responsible for approving loans and informing banks of the approval results in a timely manner;
The bank informs the applicant to go through the loan formalities according to the approval result of the provident fund center, and the borrower and his wife sign the loan contract and related contracts or agreements with the bank, and send the loan contract and other formalities to the provident fund center for review. After the approval of the provident fund center, the entrusted bank will allocate the entrusted loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract.
If there is mortgage, the borrower shall go through the mortgage registration formalities with the property right management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.