How to borrow the provident fund loan

Application conditions for the provident fund loan:

1. Possess the Chinese people's household registration and valid resident ID card (Hong Kong, Macao and Taiwan compatriots and foreigners with permanent residency in China should have their mainland travel passes, passports or permanent resident ID cards when applying for loans).

2. When applying for a loan, the applicant's deposit should meet the following conditions:

(1) The registered employees in this city have continuously paid the housing provident fund in full for more than one year (inclusive);

(2) Employees who are not registered in this Municipality have continuously paid the housing accumulation fund in full for more than 2 years (inclusive);

(3) voluntary depositors need to pay for more than half a year (including half a year);

(4) Non-local registered employees with Guangzhou talent green card who apply for provident fund loans enjoy the treatment of local registered employees;

3. Have the purchase contract or agreement confirmed by the real estate registration department where the house is located, and be able to handle the mortgage or guarantee procedures;

4. The down payment for the house has been paid according to the regulations;

5. Have full capacity for civil conduct, good credit, stable occupation and income, and the ability to repay the principal and interest of the loan;

6. The paid housing provident fund shall be used to repay personal housing provident fund loans in priority.

application materials for provident fund loan:

1. valid identification

2. household registration book

3. marriage certificate

4. bank account

5. real estate registration certificate

6. house sales contract

7. personal information inquiry authorization

8. commitment letter

. Appraisal report (provided by the first-hand existing house with property right certificate)

Frequently asked questions about provident fund loan application:

1. Will there be a fee when handling housing provident fund loan?

the housing provident fund management center will not charge any fees when handling housing provident fund loan procedures for individuals.

second, how can the housing loan be overdue after handling the provident fund loan repayment business?

the repayment business of provident fund refers to the business that employees (borrowers and spouses) who have normally paid housing provident fund in this city and have applied for personal housing provident fund loans entrust the municipal housing provident fund management center to withdraw from the balance of their housing provident fund accounts on a monthly basis to repay the total monthly principal and interest of their personal housing provident fund loans.

if the balance of the repayment account is less than the principal and interest due this month, the total principal and interest of the individual housing provident fund loan due this month should be deposited in the original designated bank repayment card in time to ensure the normal repayment every month.

third, does the provident fund loan require the place where the provident fund is deposited? Can employees who have paid the provident fund in other cities or employees who have registered in other cities apply for provident fund loans when buying houses in our city?

There is no restriction on the deposit place for provident fund loans. You can apply for provident fund loans in both cases just now. Employees who deposit provident fund in other cities can apply for provident fund loans as long as they meet the conditions of provident fund loans in our city and issue the Certificate of Deposit and Use of Housing Provident Fund for Employees with Foreign Loans at the Provident Fund Management Center of the city where the provident fund is deposited.

in addition, employees who meet the conditions of provident fund loans in our city and buy houses in our city can apply for provident fund loans, whether they are registered in other cities or in this city.

fourth, is there any difference between the amount and interest rate of the first application and the second application for provident fund loans?

of course there is a difference. The maximum amount of the first home loan is: 25, yuan for one employee and 5, yuan for two employees or more. The maximum amount of the second home loan is: 2, yuan for one employee and 4, yuan for two employees or more.

the loan interest rates of the first suite and the second suite are also different, and the loan interest rate of the first suite is subject to the benchmark interest rate announced by the People's Bank of China. The second home loan interest rate is 1.1 times of the first home loan interest rate in the same period.

5. how to deduct the loan when the deduction date stipulated in the loan contract falls on weekends or legal holidays?

if the deduction date of provident fund loan happens to be a weekend or a legal holiday, the deduction date will be postponed to the next working day for deduction.

The housing accumulation fund is becoming more and more familiar to us. Although the housing accumulation fund has a strong welfare, it can well relieve the pressure on employees to buy houses, but it is the last word that money should be kept in their own pockets. Therefore, properly manage your money, so that your savings can also bring you some benefits, so that you can minimize the economic pressure when buying a house.

How to borrow housing provident fund

Handling process of housing provident fund loan:

1. Written application

To apply for housing provident fund loan, the lender must submit a written application to the bank, fill in the application form for housing provident fund loan, and truthfully provide the following information:

(1) Proof of housing provident fund deposit of the applicant and his spouse;

(2) Identity documents of the applicant and his spouse (referring to valid residence documents such as resident identity card and permanent residence booklet) and proof of marital status;

(3) proof that the family has stable economic income and other creditor's rights and debts that affect the repayment ability;

(4) valid documents such as purchase contract and agreement;

(5) List of collateral used for guarantee, certificate of ownership, certificate of consent of the disposition holder to pledge, and appraisal certificate of collateral issued by relevant departments;

(6) other materials required by the provident fund center.

2. bank acceptance review

the bank will accept and review the loan application with complete information in time and submit it to the provident fund center in time.

3. loan approval

the provident fund center is responsible for loan approval and will inform the bank of the approval result in time.

4. loan procedures

the bank informs the applicant to go through the loan procedures according to the approval result of the provident fund center. The borrower and the husband and wife will sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. For the funds, the entrusted bank will issue the loan in full and on time according to the loan contract.

V. Mortgage Registration Procedures

If housing mortgage is used as a guarantee, the borrower shall go through the real estate mortgage registration procedures at the housing property management department in the area where the house is located. The mortgage contract or agreement shall be signed by both husband and wife. Or a joint center.

how to borrow housing provident fund loans?

Housing provident fund loan process:

1. Lenders need to apply for housing provident fund loans in the bank in writing, fill in the housing provident fund loan application form and provide truthful information

(1) Proof of the applicant's and spouse's housing provident fund deposit;

(2) the identity certificate of the applicant and spouse (referring to the resident identity card, permanent residence booklet and other valid residence documents) and the marital status certificate;

(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

(4) valid documents such as contracts and agreements for housing purchase;

(5) Collateral used for guarantee, list of pledge, certificate of ownership, certificate of consent of the person who has the right to dispose of mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

(6) The Provident Fund Center requires a third-party guarantor to provide the 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.

2. The bank accepts and examines the loan application with complete information in time and submits it to the provident fund center in time.

3. the provident fund center is responsible for approving loans and informing banks of the approval results in time.

4. The bank informs the applicant to go through the loan formalities according to the results of the examination and approval by the provident fund center. 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 by the provident fund center, the entrusted fund will be allocated, and the entrusted bank will issue the loan in full and on time according to the loan contract.

Extended information:

According to the Regulations on the Management of Housing Provident Fund,

1. Article 15 Where a unit hires employees, it shall go through the deposit registration at the housing provident fund management center within 3 days from the date of employment, and go through the formalities for the establishment or transfer of employee housing provident fund accounts at the entrusted bank with the audit documents of the housing provident fund management center.

if the unit terminates the labor relationship with the employee, the unit shall go through the registration of change at the housing provident fund management center within 3 days from the date of termination of the labor relationship, and go through the formalities of transferring or sealing the employee's housing provident fund account at the entrusted bank with the audit documents of the housing provident fund management center.

2. Article 16 The monthly contribution of employee housing provident fund is the average monthly salary of the employee in the previous year multiplied by the contribution ratio of employee housing provident fund.

the monthly deposit amount of the housing provident fund paid by the unit for employees is the average monthly salary of the employees in the previous year multiplied by the proportion of the housing provident fund paid by the unit.

3. Article 17 The new employees will pay the housing provident fund from the second month of their employment, and the monthly payment amount is the employee's salary multiplied by the employee's housing provident fund payment ratio.

the newly transferred employees in the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly payment amount shall be the employee's own monthly salary multiplied by the employee's housing provident fund payment ratio.