The handling of provident fund loans is as follows: the borrower applies for a loan at the loan bank and submits relevant materials; After accepting the application, the bank will review and send the borrower's application materials to the local housing provident fund management center; The provident fund management center has been approved and notified to the handling bank; Sign loan-related contracts, handle mortgage registration procedures at the same time, and send the loan contract to the provident fund management center for review; Review loans issued by banks as required.

legal ground

Article 25 of the Regulations on the Management of Housing Provident Fund

If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

Article 27

Applicants who apply for housing provident fund loans shall provide guarantees.

skill

The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

What are the procedures for handling provident fund loans?

According to the national regulations, all employees who have paid the provident fund can apply for provident fund loans, but there are many procedures for buying a house with provident fund loans, and many people are not very clear about these procedures. So what are the procedures for handling provident fund loans? Let's take a look with Bian Xiao!

What are the procedures for handling provident fund loans?

1. application: the lender provides loan information to the provident fund management center; 2. Loan approval: the bank conducts credit investigation and approval; 3. Signing a loan contract: the lender carries relevant information to the bank to handle the loan contract; 4. The borrower handles insurance and mortgage registration procedures; 5. Loan transfer: After the loan takes effect, the bank transfers the loan to the account designated by the seller; 6. The lender shall repay the loan at the time agreed in the loan contract from the following month.

What are the requirements for applying for provident fund loans?

(1) Employees who have to pay provident fund can apply for provident fund loans;

(2) Before applying for a loan, you must continuously deposit the provident fund for at least 6 months, because abnormal deposit means unstable income and loans are prone to risks;

(3) If one spouse has applied for provident fund loans, neither spouse may apply for provident fund loans until the principal and interest of the loans are paid off. Because provident fund loans are financial support to meet the housing needs of employees, the above conditions must be met;

(4) When a lender applies for a housing provident fund loan, it must not have huge debts except to meet the stable economic income and repayment ability, so as not to affect the repayment ability of the provident fund loan;

(5) Provident fund loans can only be used to buy houses with ownership, and the houses purchased must meet the architectural design standards stipulated by the Municipal Provident Fund Management Center. If you buy a house for profit, you can't use provident fund loans.

Bian Xiao concluded: The above information is about the process of handling provident fund loans. I wonder if it will help you! There are many procedures for handling provident fund loans, and many conditions need to be met. I suggest you take a closer look.

What is the specific process of provident fund loans? The more detailed, the better.

First, the individual housing provident fund loan processing process:

1. The applicant brings information to the management center for consultation, application and filling in the application form;

2. After approval, the Center will issue a power of attorney to the applicant;

3. After receiving the notice, the applicant will bring all the originals to the bank to sign the contract, and at the same time go through the notarization formalities at the notary office;

4. The applicant has to wait for the contract information signed by the seller;

5. The applicant shall wait for mortgage registration at the real estate management office with the secured loan contract (mortgage contract);

6. The applicant holds the registered loan contract (mortgage contract) and notarial certificate to the housing provident fund service hall to receive the transfer notice, and finally holds the transfer notice to the bank for transfer procedures.

Two. Conditions for applying for individual housing provident fund loans:

1. The housing accumulation fund has been paid normally for more than one year, and the housing accumulation fund has not been withdrawn within one year before the loan application;

2. Purchase owner-occupied houses in the cities and towns of this Municipality, and have a purchase contract that complies with the law;

3 employees applying for housing loans need to pay more than 30% of the house price in advance;

4. The borrower agrees to use the purchased house as the mortgage of the loan and handle the loan notarization procedures;

5. The borrower has a stable occupation, economic income and the ability to repay the loan principal and interest;

6. Other conditions stipulated by the management center.

How to use provident fund loans

Provident fund loan process:

1. The loan applicant shall go to the loan handling department to conduct the preliminary examination of the provident fund loan with the materials required for the housing provident fund loan application.

2 in accordance with the provisions of the need for personal credit assessment of the loan applicant, the loan applicant shall sign the "credit assessment authorization" under the supervision of the staff of the loan handling department.

3. The staff of the loan processing department prints relevant documents and tells the loan applicant how to handle the next procedure.

4. If the house purchased by the loan applicant needs to be assessed according to the regulations, the staff of the loan handling department will also issue a notice of collateral assessment to the loan applicant, and the loan applicant or entrusted agent will apply for collateral assessment at the assessment agency designated by the Beijing Housing Provident Fund Management Center.

What are the loan processes of housing provident fund?

Many people who have provident fund will use it to borrow money to buy a house, but many people still don't understand the process of provident fund loans, so the following small series will introduce it to you, let's take a look!

What are the loan processes of housing provident fund?

1. To use the provident fund loan, you must first submit a written application to the bank, and bring the applicant's provident fund deposit certificate, ID card, marriage certificate, household registration book and other valid residence certificates, family income certificate or other proof of repayment ability, as well as the purchase contract and other documents; The use of provident fund loans requires a guarantor to pay the guarantee fee and sign a tripartite contract.

2. If the applicant's information is complete, the bank shall submit it to the provident fund center after examination; After the approval of the provident fund center, the bank will be informed of the results, and the bank will inform the applicant to go through the loan procedures.

3. Both husband and wife go to the bank to handle the loan procedures and sign the relevant contracts. After that, the bank will send the loan contract and other materials to the provident fund center for review. After the approval of the provident fund center, the entrusted loan funds can be allocated, and the bank will lend money to the lender according to the time agreed in the contract.

4. If the house is mortgaged, it is necessary to go through the mortgage registration formalities with the housing management department in the area where the mortgaged house is located, and the husband and wife sign a mortgage contract or agreement. If the mortgage is pledged by securities, the borrower will hand over the securities to the management department or the joint center for safekeeping.

Matters needing attention in provident fund loans

1. You can't use the provident fund before applying for a provident fund loan, because the balance of the provident fund determines your loan amount. If the balance of the provident fund is zero, the loan amount is also zero.

2. If the mortgaged house is rented, the lessee must be informed of the fact that the house has been mortgaged.

3. After the provident fund loan is paid off, it is necessary to cancel the mortgage.

4. Use the provident fund to buy a house, and it is best not to repay in advance within one year.

During the loan repayment period, if it is difficult to repay the loan, you can negotiate with the bank and apply for extending the loan period.

Bian Xiao concluded: The above is the relevant content about the housing provident fund loan process, hoping to help everyone.