1. To apply for housing provident fund loan, the borrower needs to submit a written application to the bank, fill in the housing provident fund loan application form and provide the required information truthfully.
2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time.
3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.
4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.
5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.
Extended data
Hangzhou workers applying for housing provident fund loans shall meet the following basic conditions:
1. The housing provident fund shall be paid in full and normally as required, and it has been paid continuously for more than 6 months (inclusive) when applying for a loan.
2. The purchased house is an ordinary house occupied by the city, and the purchase and building contracts and relevant certification materials are in compliance with the law, and it is agreed to use the purchase and building as loan guarantee.
3. After purchasing commercial housing (affordable housing), we have signed a cooperation agreement with Hangzhou Housing Provident Fund Management Center (hereinafter referred to as the Provident Fund Center), signed a contract (the payment method is agreed as mortgage loan) and paid the down payment, and applied for a loan.
4. When buying a second-hand house, the real estate agency has put it on record in the provident fund center, and after signing the contract (the payment method is agreed as mortgage loan) and paying the down payment, it can apply for a loan before going through the formalities of real estate transaction transfer.
5, the purchase of public housing, must be approved by the housing reform department, after the signing of the contract, all the house price paid, for real estate transactions before the transfer procedures, apply for a loan.
6 for demolition and resettlement, resettlement housing has been completed by the demolition unit with the ownership certificate. After signing the contract and paying off all the house price, apply for a loan before handling the transfer formalities of real estate transactions.
If there are two or more houses under the name of the employee's family, or if the provident fund loan is not settled, the provident fund loan will not be issued.
7. Construction, renovation and overhaul of owner-occupied housing should have the nature of state-owned land and obtain housing construction planning permit or documents approved by government departments to build and repair housing, and apply for loans within 12 months after the project is completed and all the money is paid.
Employees who have two or more houses or outstanding housing provident fund loans under their family names may not apply for housing provident fund loans.
Baidu encyclopedia-housing provident fund loan
Hangzhou Housing Provident Fund Management Center-Basic Conditions of Loan