The process of the provident fund loan is as follows: (1) Proof of the deposit place of the housing provident fund of the applicant and spouse; (2) the identity certificate of the applicant and his spouse (referring to the valid residence certificate such as resident identity card and household registration book), marital status and other documents; (3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability; (four) the purchase of housing contracts, agreements and other valid documents; (5) List of collateral, pledge, certificate of ownership, certificate of consent of some dispossessed persons to mortgage and pledge, and certificate of collateral valuation made by some relevant departments; (six) other information required by the provident fund.
Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans. Those who participate in the housing provident fund system must also meet the following conditions when applying for housing provident fund personal housing loans: that is, the time for continuous deposit of housing provident fund before applying for loans is not less than 6 months. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
When applying for housing provident fund loans, the loan applicant must have relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of housing provident fund loans. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.
What is the process of handling provident fund loans?
1. The provident fund center or the entrusted bank first conducts a preliminary examination on the authenticity and compliance of the applicant's loan conditions, application materials, application amount and other contents; 2. After the first trial is passed, the bank will invite the applicant for an interview to further understand the loan purpose, repayment willingness and repayment ability of the applicant, and establish interview records; 3. If the audit meets the requirements, the entrusted bank will accept the loan application. 4, loan approval city housing provident fund management center in the confirmation of acceptance, make a decision to give or not to give a loan within 5 working days. 5. If the mortgage loan contract is signed and the application for provident fund loan is approved, the provident fund center or the entrusted bank shall notify the borrower to go through the signing formalities. 6. After signing the contract, the loan applicant and the house owner need to go to the real estate registration center of the provident fund center for mortgage registration. After the real estate registration center accepts it, it will notify the provident fund center to receive the real estate rights registration certificate within a certain working day. 7. Loan review The provident fund center will conduct loan review after receiving the registration certificate of real estate rights. 8. The entrusted bank issues loans according to the agreed loan conditions, and the loan funds are transferred according to the account agreed in the contract.
Legal basis:
Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from 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.
What is the application process of provident fund loan? Basic steps!
Some users are consulting and want to know the application process of provident fund. Due to the different standards in different regions, the provident fund is greatly affected by the policy, so it is impossible to introduce the detailed application process. Here you can briefly introduce the basic application process of provident fund loans. You can refer to it It is recommended to prepare the materials and go directly to the provident fund management center for consultation.
1. First, consult the local housing provident fund management center about the conditions and relevant information needed for the loan.
2. If the loan conditions are met, then prepare relevant materials to the local housing provident fund management center to fill in the loan application form and submit relevant materials.
3. After receiving the borrower's application materials, the provident fund management center will conduct a preliminary examination, including the borrower's loan qualification, loan amount and term. After the preliminary examination is passed, the provident fund management center will issue a notice of collateral review and evaluation.
4. The applicant evaluates the value of the house purchased by the designated institution with the Notice of Collateral Review and Evaluation. If it is affordable housing, there is no need to evaluate it.
5. After the evaluation results come out, submit the evaluation report to the provident fund management center for review. After passing the examination, the Center will issue the Notice of Investigation on Entrusted Loans for Housing Provident Fund Management Guarantee.
6. Go through the guarantee procedures and sign the loan-related contract.
7. Finally, the provident fund management center entrusts the bank to issue loan funds.
The threshold for provident fund loans is relatively high. First of all, you must know whether you meet the application conditions. The specific details can be asked at the local provident fund management center.
Provident fund loan processing flow
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.