When applying for provident fund loans, the borrower should first fill in the Application Form for Personal Housing Provident Fund Loans for Employees, which will be sealed by the employer and submitted to the loan bank together with the following supporting materials: 1, ID card, household registration book, and proof of marital status of both husband and wife of the borrower (original and photocopy provided); 2, the borrower's husband and wife units issued by the "economic income certificate" and "provident fund deposit certificate"; 3, the purchase of housing should provide the purchase contract or agreement and the first payment receipt; Self-built housing should provide building approval documents; 4. Other supporting materials required by the lending bank. When applying for personal second-hand housing provident fund loan, the borrower shall provide the following information: 1, the state-owned land use certificate of the purchased house and the house ownership certificate; 2, the purchase of housing evaluation report; 3. ID cards and household registration books of the seller's husband and wife; 4. Purchase contract.
Second, how to apply for individual housing provident fund loans?
When applying for a provident fund loan, the borrower should first fill in the "seal of the employee's individual unit, together with the following supporting materials: ID cards of both parties, household registration books, and proof of marital status (provide originals and copies); 2, the borrower's husband and wife units issued by the "economic income certificate" and "provident fund deposit certificate"; 3, the purchase of housing should provide the purchase contract or agreement and the first payment receipt; Self-built housing should provide building approval documents; 4. The loan bank shall provide the following information when handling the personal second-hand residence: 1, the state-owned land use certificate of the purchased house and the house ownership certificate; 2, the purchase of housing evaluation report; 3. ID cards and household registration books of the seller's husband and wife; 4. Purchase contract.
Third, how do individuals apply for provident fund loans
Personal application for provident fund loan process: 1, the lender prepares relevant materials, fills in the loan application in the bank and submits the materials; 2. After receiving the application, the loan bank shall confirm and review the information; 3. After the audit, the lending bank will contact the lender and sign relevant contracts; 4. For bank loans, the lender shall fulfill the repayment obligations. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center. Twenty-seventh applicants for housing provident fund loans shall provide guarantees. The legal basis "mismatch" does not match.
Fourth, how can individuals turn public without provident fund?
(1) application. The applicant submits an application to the Housing Provident Fund Management Center with the personal credit report of himself and his spouse, the purchase contract, the loan contract, the balance table of the housing mortgage loan of the commercial bank, and the "Wuhu City Commercial Bank Housing Mortgage Loan to Housing Provident Fund Loan Application Approval Form" stamped by the applicant.
(2) Accept the examination and approval. After accepting the application, the housing provident fund management center shall conduct examination and approval at the citizen service center on the spot; Other handling outlets shall be approved within 2 working days. It is valid within 2 months after approval, and will not be handled after 2 months. If it is not accepted, it shall inform the applicant on the spot and explain the reasons.
(3) Repay the mortgage loan and cancel the house mortgage. After the application for "business to public" is approved by the housing provident fund management center, the applicant applies to the original commercial bank's housing mortgage bank to repay the loan, and the commercial bank's housing mortgage bank issues a loan settlement certificate to cancel the mortgage registration.
(four) signed the "housing provident fund loan contract", and re apply for housing mortgage loans. The applicant shall sign the housing provident fund loan contract with the housing mortgage loan settlement certificate of the commercial bank and the approval materials of "business to public" to the housing provident fund loan entrusting bank, and go through the relevant procedures of housing mortgage.
(5) the performance of "business to public". After the mortgage certificate is completed, it will be kept by the entrusted bank, sent to the housing provident fund management center, and the loan will be credited to the borrower's account. The applicant shall repay the principal and interest of the housing provident fund loan on a monthly basis in accordance with the provisions of the housing provident fund loan contract from the month following the issuance of the loan.