According to Article 16 of the Measures for the Administration of Personal Housing Loan of Yueyang Housing Provident Fund, if the management center agrees to the loan, the management center, the borrower and the mortgagor shall sign the Personal Housing Mortgage Loan Contract of Yueyang Housing Provident Fund Management Center; The borrower goes to the real estate registration agency for real estate mortgage registration, and then goes to the management center for loan.
According to the loan contract, the management center will transfer the funds to the commercial housing prepayment supervision account or the borrower's personal account set up by the real estate department. The management center shall make a decision on whether to grant the loan within 10 working days from the date of accepting the loan application, and notify the borrower; If a loan is granted, it shall go through the formalities of lending within 5 working days from the date when the real estate registration agency completes the formalities of real estate mortgage registration and issues the real estate registration certificate.
Extended data:
Provisions on the relevant requirements of housing provident fund personal housing loan:
1. The borrower's authorized management center and the issuing bank deduct funds from the balance stored in the borrower's housing provident fund account on the 20th day of each month according to the loan contract, and the insufficient part will be deducted from the borrower's personal bank card by the issuing bank to repay the loan principal and interest.
2. The borrower can choose to repay part or all of the loan in advance six months after the loan is issued.
3. If the borrower requests to change the loan contract, it shall notify the other parties in writing. Before reaching an agreement, the original loan contract will remain valid. If the management center, the borrower, the mortgagor, the third-party guarantor and other relevant parties agree to change through consultation, they shall sign a change contract according to law.
Yueyang Municipal People's Government-Yueyang City Housing Provident Fund Personal Housing Loan Management Measures