The loan business area of the provident fund service hall accepts the mortgage loan business of first-hand houses.

(1) Pre-lending survey

First-hand housing mortgage secured loans shall be jointly investigated by the management department (sub-center) of the provident fund center, housing home purchase guarantee companies or banks on the qualifications of developers and mortgaged real estate projects in the early stage, and the investigation report shall be submitted to the municipal center for approval.

The management department (sub-center) of the provident fund center, the housing home purchase guarantee company or the bank respectively signed the Cooperation Agreement of Kunming Housing Provident Fund Personal Loan Faster Project with the developer.

The development enterprise shall open a special deposit account according to the cooperation agreement of Kunming housing provident fund personal loan auction project.

(2) Acceptance and preliminary examination of loan applications

(1) The borrower submits the materials required for personal application to the loan business area of the housing provident fund service hall, and the loan front desk teller of the provident fund center (the loan front desk teller of the provident fund center is composed of the personnel of the entrusted bank stationed in the provident fund center) accepts, reviews and interviews the borrower, and instructs the borrower to fill in the loan application form after the review is passed, and the borrower signs it for confirmation.

(2) The teller at the loan front desk of the Provident Fund Center conducts a preliminary examination of the loan application form and confirms whether the loan is granted to the borrower. If a loan is granted, a personal housing provident fund loan contract shall be signed with the borrower in advance. The borrower opens a repayment savings account in the corresponding loan bank.

(3) The loan application materials are transferred to the guarantee company, which will review them (including the authenticity of the house purchase). If it is approved, it shall go through the guarantee procedures and issue a loan guarantee commitment letter to the provident fund center.

(4) The borrower shall go to the window of the notary office to handle the pre-notarization procedures of the individual housing provident fund loan contract.

⑤ The guarantee company reports the borrower's loan information, pre-signed contract agreement and loan guarantee commitment letter to the loan review teller of the provident fund center, who will review the loan. If the loan is approved, it will be reported to the final teller of the loan for review.

⑥ For the loan granted after final approval, the loan information will be returned to the loan front desk teller, who will fill in the Personal Housing Provident Fund Loan Contract, sign the special seal of the main lender's loan contract and complete the examination and approval.

The above business will be completed on the day of acceptance.

(3) Entry and approval of loan data

The teller at the loan front desk of provident fund center inputs the accepted borrower loan information, and the recheck teller rechecks the loan, and finally the teller approves the recheck opinion. After the approval, the checking teller prints the Letter of Attorney for Individual Housing Loan Procedures of Kunming Housing Provident Fund and transmits it to the loan trustee bank, and then submits the loan fund application plan to the Planning and Finance Department through the system network of the Provident Fund Center. Completed within 2 working days.

(4) Lending funds

According to the loan application plan of the management department, the Planning and Finance Department will settle the loan funds to the developer's account through the electronic settlement system or the loan trustee bank on the agreed loan date. Completed within 2 working days.

(five) the transfer of warrants and mortgage registration

The developer gives the title certificate to the guarantee company, and the lender and borrower entrust the guarantee company to handle the mortgage registration procedures of the title certificate. Other warrants shall be collected by the entrusted bank at the property right registration authority.

(6) Move the seat

For non-resident loans without permanent seats entrusted by the bank for marketing and recommended to the provident fund center, the recommending bank can send personnel to temporarily enter the floating seats in the loan business area of the provident fund service hall to handle the loan business within the agreed time, and the handling process is consistent with the requirements of the permanent bank.

Business process of second-hand housing secured loan

The loan business area of the provident fund service hall accepts the secured loan business of second-hand houses.

(1) forms a transaction fact.

Second-hand housing buyers and sellers sign housing sales contracts and complete notarization procedures. Then go to the property rights trading department to handle the transfer of property rights and get a receipt.

(2) Pre-loan examination and determination of the value of the transaction target.

The loan applicant submits the loan application materials to the loan business area of the provident fund service hall, and the teller at the front desk of the provident fund center interviews the borrower and pre-examines the materials. After the pre-trial is passed, confirm whether the borrower issues the loan. If the loan is granted, the guarantee company shall make an appointment to identify the value of the subject matter of the transaction. If assessment is required, the borrower shall provide an assessment report on the value of the mortgaged property.

(3) Acceptance and preliminary examination of loan applications

(1) The borrower prepares all the materials needed to apply for a loan and submits them to the loan business area of the housing provident fund service hall. The front desk teller of the provident fund center loan will accept and review it. After approval, the borrower will be instructed to fill in the loan application form, which will be signed by the borrower for confirmation.

(2) The teller at the loan front desk of the Provident Fund Center conducts a preliminary examination of the loan application form, and if it passes the examination, it will sign the Individual Housing Provident Fund Loan Contract with the borrower in advance. The borrower opens a repayment savings account in the corresponding loan bank.

(3) The loan application materials are transferred to the guarantee company, which will review them (including the authenticity of the house purchase). If it is approved, it shall go through the guarantee procedures and issue a loan guarantee commitment letter to the provident fund center.

(4) The borrower shall go to the window of the notary office to handle the pre-notarization procedures of the individual housing provident fund loan contract.

⑤ The guarantee company reports the borrower's loan information, pre-signed contract agreement and loan guarantee commitment letter to the loan review teller of the provident fund center, who will review the loan. If the loan is approved, it will be reported to the final teller of the loan for review.

⑥ For the loan granted after final approval, the loan information will be returned to the loan front desk teller, who will fill in the Personal Housing Provident Fund Loan Contract, sign the special seal of the main lender's loan contract and complete the examination and approval.

The above business will be completed on the day of acceptance.

(4) Entry and approval of loan data

The teller at the loan front desk of provident fund center inputs the accepted borrower loan information, and the recheck teller rechecks the loan, and finally the teller approves the recheck opinion. After the approval, the checking teller prints the Letter of Attorney for Individual Housing Loan Procedures of Kunming Housing Provident Fund and transmits it to the loan trustee bank, and then submits the loan fund application plan to the Planning and Finance Department through the system network of the Provident Fund Center. Completed within 2 working days.

(5) Lending funds

According to the loan fund application plan of the management department, the Planning and Finance Department will directly transfer the loan funds to the special account opened by the guarantee company through the electronic settlement system or the loan trustee bank on the agreed loan date, and the guarantee company will be responsible for clearing the loan funds to the account designated by the seller within one working day after the funds arrive. Completed within 2 working days.

(6) mortgage registration

After the transfer of property rights is completed, the guarantee company obtains a new property right certificate with the payee's receipt, and the lender and borrower entrust the guarantee company to handle the mortgage registration formalities of the property right certificate. Other warrants shall be collected by the entrusted bank at the property right registration authority.