1, loan application and review:

The undertaking bank accepts the borrower's personal provident fund loan application, reviews the application materials, and inputs relevant information into the provident fund loan management system. The Provident Fund Center will complete the online audit and confirmation within 1 working day, and feed back the audit results.

2. Sign a contract and go through relevant formalities;

Upon examination, the borrower who meets the conditions of provident fund loan will hand over the selling unit to the real estate transaction department where the house is located for mortgage registration after the undertaking bank is responsible for signing the contract and handling the relevant loan procedures.

3. Approve the transfer of entrusted loan funds:

After receiving the mortgage-related loan information, the provident fund center will complete the data verification and transfer of entrusted loan funds within 5 working days.

4. Bank loan:

After receiving the loan funds allocated by the provident fund center, the undertaking bank will post them and transfer them to the account stipulated in the loan contract within 1-2 working days.

Extended data

Provident fund loan conditions:

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.