Personal application for housing provident fund loan process:
1. The borrower can submit a written loan application and related materials to the loan bank, which will submit it to the housing provident fund management department for approval, or directly apply to the housing provident fund management department for approval;
2. The borrower approved by the housing provident fund management department signs a loan contract and a guarantee contract with the loan bank, and handles mortgage registration, insurance, notarization and other related procedures;
3. According to the loan contract, the loan bank will transfer the loan to the special account for house sales set up by the developer in the loan bank or directly to the deposit account opened by the borrower in the loan bank;
4. The borrower opens a repayment account in the loan bank and repays the loan principal and interest on schedule according to the repayment method and repayment plan agreed in the loan contract;
5. After the loan is settled, the borrower obtains the Loan Settlement Certificate from the loan bank, retrieves the mortgage registration certificate and the original insurance policy, and goes through the mortgage registration cancellation formalities at the original mortgage registration department.
Second, why do you have to find a guarantee company for portfolio loans?
In general, if the borrower's qualification is not enough to apply for a portfolio loan from the lending bank, then a guarantee is generally needed.
Third, how to choose a personal loan guarantee company?
How to choose a personal loan guarantee company: 1 If you don't have a fixed job and a certain ability, don't trust the guarantee company that can handle it. Even if you have certain credit information or civil servants, a normal guarantee company will have a sound risk control system, so a good guarantee company generally does not provide guarantees. Remember not to be greedy for petty gains and get into trouble in the future; 2. Fully understand the operating conditions and credibility of the guarantee company you choose. A good guarantee company is important to have a good reputation and strong economic strength. Formal personal loan guarantee companies will strictly abide by national laws and regulations and will not do illegal operations for temporary interests.
4. How can I get a loan from a guarantee company?
The ways for individuals to seek loans from guarantee companies are as follows:
1. The applicant prepares materials to apply for a loan from the guarantee company.
2. After accepting the application, the guarantee company will conduct a comprehensive and all-round investigation on the applicant, and the handling personnel will issue loan guarantee opinions or investigation reports.
3. After the approval of the guarantee company, the guarantee company shall notify the applicant to go through the guarantee procedures.
4. The loan bank, the guarantee company and the borrower sign relevant contracts.
5. After the contract is signed, the guarantee company and the applicant shall go through the formalities of mortgage and pledge with the relevant departments and obtain the certificate of other rights.
6. After all the formalities are completed, the guarantee company formally notifies the loan bank to issue the loan.