Employees are allowed to apply for supplementary housing provident fund deposit, and the proportion or base of housing provident fund deposit is changed from the original "once a year" to "it can be adjusted according to the actual situation of the deposit unit and approved by the municipal housing provident fund management center". Wuhu City also proposed that,
Improve the loan discount policy, support people from other places who transfer to Wuhu to use housing provident fund loans to buy houses, and adjust the amount of second-hand housing provident fund loans, but immediate family members may not apply for housing provident fund loans when buying or selling houses.
Extended data
Loan process:
I. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the Application Form for Housing Provident Fund Loans, and truthfully provide the following information:
1, the deposit certificate of the housing provident fund of the applicant and spouse.
2, the applicant and spouse identification (refers to the resident identity card, permanent residence booklet and other valid residence documents), proof of marital status.
3 proof of family income stability and other proof of creditor's rights and debts that have an impact on repayment ability.
4, the purchase of housing contracts, agreements and other valid documents.
5. List of collateral and pledge, certificate of ownership, certificate of consent of the person who has the right to dispose of it, and certificate of collateral valuation issued by relevant departments.
6. The Provident Fund Center requires the third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * sign a tripartite contract.
7. Other information required by the Provident Fund Center.
Two, for the loan application with complete information, the bank accepts the examination in time and submits it to the provident fund center in time.
Three, the provident fund center is responsible for loan approval, and timely notify the bank of the approval results.
4. The bank informs the applicant to go through the loan procedures according to the examination and approval results of the provident fund center. The borrower and the husband and wife sign the loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for examination and approval. After the approval of the provident fund center, the entrusted loan funds will be allocated, and the entrusted bank will pay them in full and on time in accordance with the provisions of the loan contract.
5. If mortgage is used as a guarantee, the borrower shall go through the mortgage registration formalities at the real estate 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.
Baidu Encyclopedia-Regulations on the Management of Housing Provident Fund
Baidu encyclopedia-provident fund loan