Spread out completely
1. Review and approval process of city-level loans: the credit manager reviews the information provided by the borrower, focusing on whether the basic information filled in by the borrower is true, whether the original and photocopy of the information provided are true and valid, whether the amount and term of the loan applied for meet the policy requirements, verifying the borrower's provident fund deposit and provident fund loan history → inquiring the borrower's credit record → conducting on-site investigation by credit investigators. Focus on investigating the authenticity of housing consumption of loan applicants → personal loan section chief's audit, focus on checking whether the audit opinions of credit managers and investigators are comprehensive and accurate, put forward the approval opinions of loan amount, term and guarantee method → take charge of the leadership's audit, focus on checking whether the audit opinions of credit managers, credit investigators and personal loan section chief are comprehensive and accurate, and determine the matters that need to be submitted to the loan review Committee for study and decision → the loan review Committee for approval (loans within 6.5438+0.5 million yuan need not be submitted to the loan review Committee.
2. County (city, district) loan approval process: the loan officer reviews the information provided by the borrower and conducts on-site investigation. The focus of the review and on-site investigation is the same as above → the director of the management department reviews, focusing on whether the review opinions of loan officers are comprehensive and accurate, whether the on-site investigation is carried out according to regulations, and determining the loan amount, term and guarantee method → the loan officers and section chiefs of individual loan departments review. Focus on reviewing whether the materials submitted by the management are complete, whether the audit procedures are qualified, and whether the audit opinions are comprehensive and accurate → in charge of the leadership's audit, and the audit focus is the same as above → the loan review meeting will approve (loans below RMB 654.38+0.5 million need not be reported to the loan department or the loan review meeting, and other approval procedures are the same as above).
2. What is the process of loan, review and approval?
What is the process of buying a house with a personal housing provident fund loan? ：
1, first trial:
The housing provident fund management center conducts a preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount, loan period, etc. After passing the preliminary examination, the center will issue the Notice of Collateral Review and Evaluation.
2. Assessment:
The applicant holds the Notice of Collateral Examination and Evaluation to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated.
3. Review:
The applicant holds the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center to the center for loan review. Meet the conditions, the center issued the "housing provident fund management center entrusted loan investigation notice".
4. Guarantee procedures:
The applicant holds the "Notice of Investigation on Entrusted Loan Guaranteed by Housing Provident Fund Management Center" and goes through the guarantee formalities according to the guarantee method he chooses. If mortgage guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution.
5. Sign a loan contract.
6, housing fund management center and the entrusted bank signed a loan agreement.
7. The borrower directly submits a loan application to the housing provident fund management center, and the entrusted industry can summarize the borrower's application materials as needed and submit them to the housing provident fund management center for approval.
8 housing fund management center approved the amount, duration and interest rate of each loan, and signed an entrusted loan contract with the entrusted bank.
9. According to the entrusted loan contract, the entrusted bank shall go through the loan procedures after signing the Mortgage Contract for Housing Provident Fund Entrusted Loan, the Pledge Contract for Housing Provident Fund Entrusted Loan and the Guarantee Contract for Housing Provident Fund Entrusted Loan with the borrower respectively.
10. The entrusted bank directly transfers the loan to the designated account opened by the seller in the entrusted bank.
3. How to approve the loan? What is the loan process?
Loan approval process: 1. The borrower prepares loan materials such as identity cards and applies for loans from lending institutions; 2, the credit manager to review the information provided by the borrower, but also review the borrower's credit record; 3. Credit institutions shall approve qualified applicants and issue loans. According to Article 25 of the General Principles of Loans, if a borrower needs a loan, he shall apply directly to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information: 1. Basic information of the borrower and guarantor; Two, the financial department or accounting (audit) firm approved the last year's financial report, as well as the previous financial report to apply for loans; Three, the original unreasonable occupation of loans to correct the situation; 4. List of collateral and pledge, as well as the certificate that the person who has the right to dispose of the collateral and pledge agrees to guarantee, and the relevant documents that the guarantor agrees to guarantee intention; V. Project proposal and feasibility report; Other relevant information deemed necessary by the lender.