Legal subjectivity: As in other regions, in the process of early settlement of provident fund loans, borrowers themselves apply for business. In the application process, if he is not single, he needs to provide a marriage certificate. What are the rules for the early settlement of Heilongjiang provident fund loans? Bian Xiao has compiled the following contents for your legal reference. First, the identity certificate of the material extractor who settled the Heilongjiang provident fund loan in advance; Spouses need to provide proof of marriage relationship; Borrower's repayment card. Two. Conditions for early settlement of the Heilongjiang provident fund loan: If the borrower who has deposited the provident fund in the center and applied for a personal housing provident fund loan fails to pay off the principal and interest of the loan, his spouse can withdraw the housing provident fund from the personal account to repay the loan, or use the borrower's repayment card to repay the loan. Three. Heilongjiang provident fund loan 1 early settlement process. Application: the applicant applies at the comprehensive window of the government service center. 2. Acceptance: The acceptance personnel will pre-examine the received materials, put forward pre-examination opinions within 1 working days (excluding the acceptance time limit), and make an acceptance decision. The applicant meets the application qualification, and the materials are complete, the format is standardized, and the legal form is met, and a receipt for withdrawal of acceptance shall be issued; If the applicant does not meet the application qualification or the materials are incomplete and do not meet the statutory form, he shall be informed at one time on the spot; If the license is not granted, it will be returned with reasons. 3. Review: After acceptance, the reviewer will review the materials within 1 working day. If special procedures are involved in the audit process, special procedures shall be started, and the time limit for special procedures is 1 working day, which is not included in the time limit for commitment completion. 4. Approval: The approver will conduct approval within 1 working day. 5. Settlement: the decision-maker makes a decision immediately according to the examination and approval opinions, and issues the examination and approval result if it meets the requirements; If it is not approved, notify the applicant. Four. The Law on Early Settlement of Heilongjiang Provident Fund Loans stipulates:1Regulations on Housing Provident Fund Management issued by Order No.262 of the State Council of the People's Republic of China on April 3, 999. Article 11 is revised according to the Decision of the State Council on Revision on March 24th, 2002 and the Decision of the State Council on Revision of Some Administrative Regulations on March 24th, 201September. The housing provident fund management center shall perform the following duties: (2) Responsible for recording the deposit, withdrawal and use of employee housing provident fund; (three) responsible for the accounting of housing provident fund; (four) to approve the extraction and use of housing provident fund; (five) responsible for the preservation and return of housing provident fund; (six) the preparation of housing provident fund collection and use plan implementation report; (seven) to undertake other matters decided by the housing provident fund management committee. Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to 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. The above is the related content compiled by Bian Xiao. If the Heilongjiang provident fund loan is settled in advance, the borrower's ID card and bank card are required. If you have a spouse, you need a marriage certificate, and then you can do business in the government service center without providing fees. If you have other needs, please do one-on-one legal consultation online.
Legal objectivity: 1. How to apply for housing provident fund loan 1 in Heilongjiang province? Seven documents are still required to apply for housing provident fund loan. Personal housing provident fund loan application form, resident ID card, household registration book and other valid documents, proof of marital status, purchase contract, first-phase purchase invoice or receipt, deposit receipt, income certificate, mortgage account (the mortgage account provided by the borrower must be a local bank account opened with 18 ID card), personal property status certificate, personal credit report, and undertake other documents and materials required by the bank. 2. Provident fund loans are divided into seven steps. The borrower applies for a loan from the undertaking bank, and the bank receives the information and conducts a preliminary examination of the contract generated by the approval of the provident fund center. It scans mortgage information, inspects the scale of banks, inspects the scale of provident fund centers, and financially inspects bank loans and returns loan data. It is worth mentioning that the loan application materials are complete, and the review time limit is no more than 15 working days, but it does not include the time for handling formalities in banks, trading departments and developers. Second, housing provident fund loans Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to employees who have paid housing provident fund and retired employees who have paid housing provident fund during their employment. Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 400,000 yuan; The maximum amount of personal housing provident fund loans in Guangzhou is 500,000 yuan, and that in Beijing is 800,000 yuan. If the rating is 3A, it can reach 800,000 yuan (130%) =1040,000. Secondly, the maximum loan amount of housing provident fund does not exceed 70% of the total purchase price; Formula for loan amount of housing provident fund: sum of individual monthly contributions of the borrower and spouse to the provident fund ÷ actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient )× loan term (longest loanable term). If the contribution ratio of both husband and wife is inconsistent, the actual contribution ratio shall be determined according to the higher one. Not higher than the loan limit determined according to the repayment ability of the loan applicant and spouse. When applying for provident fund loan, the monthly repayment amount/monthly income should not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities).
2. Where can I apply for the housing loan title certificate of Heilongjiang Land Reclamation Provident Fund?
Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the application form for housing provident fund loans and truthfully provide the following information:
Proof of deposit of housing provident fund of the applicant and spouse
The identity certificate of the applicant and spouse (refers to the resident identity card, permanent residence booklet and other documents;
Proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;
Valid vouchers such as purchase;
Collateral, pledge list, ownership certificate and collateral valuation certificate issued by the relevant departments with the right to dispose of collateral;
The provident fund center requires that the expenses be paid by a third party, and the borrower and lender sign a tripartite contract;
Provident fund center
3. How to bind the official account of Harbin Provident Fund WeChat?
1. Open WeChat and enter Harbin Housing Provident Fund Management Center under the search bar of WeChat. The first search interface is the official WeChat account of the Housing Provident Fund Management Center.
2. After searching, click on the official WeChat account and follow it, then enter the official WeChat account and click on the User Center.
3. Select the account binding. According to the binding requirements, enter your personal information, including ID number, mobile phone number, bank card and other information, which must be consistent with the information submitted by your company. If you change your mobile phone number, you can change the relevant information in the User Center.
Four, how to apply for housing provident fund loans in Heilongjiang Province
Five, the purchase of owner-occupied housing:
1. The employee's individual application report shall be approved and sealed by the unit.
2. My ID card and a copy.
3.① The original and photocopy of the standardized commercial housing sales contract and the original and photocopy of the down payment receipt (more than 30% of the house price) shall be submitted for the purchase of commercial housing.
(2) The original and photocopy of the Approval of Preferential Selling House and Price Evaluation Form, Price Evaluation Form and Purchase Receipt (more than 30% of the house price) that need to be submitted to the real estate management department for examination and approval when purchasing the reformed housing and affordable housing of the unit and participating in fund-raising housing construction of the unit.
(3) When employees buy second-hand houses, individual applications need to be approved and stamped by the unit. Business personnel of the unit must carry the receipt and seal of the unit, the new real estate license of the purchased second-hand house, the original and photocopy of the deed tax bill, and the original and photocopy of the applicant's personal valid certificate to handle part of the extraction business for the employees.
4. The financial personnel of the unit go to the center to handle part of the withdrawal business with the above information, unit receipt and unit seal. The withdrawal amount is a regular integer carried forward from the previous year, and a withdrawal slip should be filled in. If both husband and wife withdraw, the original and photocopy of the marriage certificate of husband and wife are also needed.