First, the loan application.

Second, the provident fund center accepts loans.

Third, loan approval. Make a decision to approve or disapprove the loan within five working days after confirming the acceptance;

Fourth, sign a mortgage loan contract.

5. Go through the mortgage registration formalities.

6. Loan review. After receiving the registration certificate of real estate rights, the provident fund center will conduct loan review;

Seven. Loan issuance. The entrusted bank issues loans according to the agreed loan conditions, and the loan funds are allocated according to the account agreed in the contract.

Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

How to apply for a personal provident fund loan?

Provident fund loans need to meet the following five conditions:

First, 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.

Two, to participate in the housing provident fund system to apply for housing provident fund personal housing loans must be met at the same time, to apply for loans before the continuous deposit of housing provident fund for not less than six months.

Three, one of the spouses has applied for housing provident fund loans, before the principal and interest of the loan is paid off, neither spouse may obtain housing provident fund loans.

Four, the loan applicant in the application for housing provident fund loans, in addition to a relatively stable economic income and the ability to repay loans, there are no other outstanding debts that may affect their ability to repay housing provident fund loans.

Five, provident fund loans for a period of not more than 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

Extended data:

1. According to the new policy (20 14, 1 1), the target of housing provident fund loans is paid-in employees who buy the first set of self-occupied housing or the second set of improved ordinary self-occupied housing, and it is not allowed to issue housing provident fund personal housing loans to the families of paid-in employees who buy the third and above houses. 20 10 Relevant departments issued a document requesting the implementation of the housing provident fund loan policy of supporting the first set, restricting the second set and prohibiting the third set.

2. A city divided into districts with a housing provident fund personal housing loan issuance rate of less than 85% may appropriately increase the first set of self-occupied housing loans according to the local commodity housing price and per capita housing area.

Zhang, director of the Housing Provident Fund Supervision Department of the Ministry of Housing and Urban-Rural Development, said that the loan amount of housing provident fund is an important factor affecting the mutual assistance of the system. Appropriately increasing the loan amount of the first set of self-occupied housing reflects the principle that the housing provident fund system supports basic housing consumption and makes full use of funds.

3. All localities should realize mutual recognition and transfer of housing provident fund deposit in different places, and promote the loan business in different places, that is, employees can apply for individual housing loans of housing provident fund to the housing provident fund management center where their household registration is located with the deposit certificate issued by the housing provident fund management center in their place of employment.