Provident fund loan process:
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 provide relevant information;
For loan applications with complete information, the bank will accept and review them in time and submit them 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 a 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 loan funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.
If the borrower has a mortgage, he 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.
Conditions for applying for provident fund loans:
Meet the application conditions for housing provident fund loans in this Municipality;
The borrower must be the borrower or spouse of the original housing loan (the buyer is required);
The original commercial housing loan has not been settled, and the bank agrees that the borrower will settle the loan in advance;
The original commercial housing loan has been repaid for more than one year (inclusive), with a good credit record and no overdue loan balance;
The purchased property has obtained the house ownership certificate issued by the local real estate registration department, and it is a steel-concrete structure;
Commercial loans that can be mortgaged for the purchased real estate can be converted into provident fund loans;
Never applied for a housing provident fund loan.
Provident fund loan preparation information:
Proof of deposit of housing provident fund of the applicant and spouse;
Identity certificates of the applicant and spouse (referring to valid residence certificates such as resident identity card and permanent residence booklet) and proof of marital status;
Proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;
Valid documents such as purchase contract and agreement;
Collateral, pledge list, certificate of ownership, certificate of consent of the authorized disposition to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;
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;
Other information required by the provident fund center.