1. When applying for provident fund loan, the borrower shall submit the loan application to the provident fund management core as required, and provide the information required for the loan.

2. Probe into the core of provident fund loan. After accepting the borrower's application, the provident fund management core will review the borrower's qualification, loan amount, loan term, loan information and other information, and give opinions.

3. Credit investigation of provident fund loans. After the preliminary examination of the core of provident fund management, the undertaking bank of provident fund loan will conduct a pre-loan credit investigation on the borrower. After the investigation is completed, the lending bank puts forward opinions, and fills in the "Examination and Approval Form for Individual Housing Provident Fund Loans and Portfolio Loans" and sends it to relevant personnel for approval.

4. After signing the provident fund loan contract, the borrower will receive a notice from the loan undertaking bank if it is approved. At this time, the borrower only needs to bring the ID card, household registration book, bank account number and other materials according to the specified time, and sign the loan contract at the undertaking bank.

5. After completing the home insurance and mortgage registration procedures and signing the loan contract, the borrower shall go through the insurance and mortgage registration procedures according to the regulations, and the expenses arising therefrom shall be borne by the borrower.

6. Waiting for the transfer of provident fund loans. After confirming that the mortgage registration has been completed and the loan contract comes into effect, the loan undertaking bank will transfer the loan to the account designated by the borrower and the seller on the date agreed in the contract and send the loan receipt to the borrower.

Second, the housing provident fund loan amount

1. Most cities have stipulated a high single housing provident fund loan amount. For example, Chengdu's personal housing provident fund loan amount is 400,000 yuan; Guangzhou housing provident fund personal loan amount is 500,000 yuan, and Beijing housing provident fund personal loan amount is 800,000 yuan. If the rating is 3A, it can reach 800,000 * (1+30%) = 1.04 million. Secondly, the loan amount of housing provident fund is higher than 70% of the total house price;

2. Loan amount formula of housing provident fund: sum of individual monthly contributions of the borrower and spouse provident fund ÷ actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient )× loan period (long loanable period).

3. If the deposit ratio of husband and wife is inconsistent, the actual deposit ratio shall be determined by the party with higher proportion. Not higher than the loan limit determined according to the repayment ability of the loan applicant and spouse. When applying for provident fund loan, the monthly repayment amount/monthly income should not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities).

Extended data:

Housing provident fund is a personal housing savings fund specially used by employees for housing consumption expenditure, which has two characteristics: first, it is cumulative, that is, although housing provident fund is an integral part of employees' wages, it is not paid in cash, but must be deposited in a special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented.

The second is special. The housing provident fund is earmarked for special purposes and can only be used for the purchase, construction, overhaul of self-occupied housing or the payment of rent during storage. Only when the employee retires, dies, completely loses the ability to work, terminates the labor relationship with the unit or moves out of the original city can the housing provident fund in his account be withdrawn.

References:

Provident fund purchase Baidu encyclopedia