Counter handling process
(1) Consultation
Applicants can call the customer service hotline 12329 or consult the ho
Counter handling process
(1) Consultation
Applicants can call the customer service hotline 12329 or consult the housing provident fund management office in the jurisdiction with their own and spouse ID cards;
(2) loan application
1, individual submission
The applicant (spouse, property owner * * *) submits materials at the loan front desk, and the staff of the management office examines the applicant's loan qualification and calculates the loanable amount; Meet the loan conditions, print the "Qingdao housing provident fund loan application approval form". After accepting the loan application, conduct credit inquiry and issue pre-trial opinions.
2. Centralized submission by developers
The developer will submit the loan application materials to the loan front desk. If the management office staff examines the loan conditions, the developer will inform the applicant to handle it. On the spot, the center printed the "Qingdao Housing Provident Fund Loan Application Approval Form", conducted personal credit inquiry, and issued pre-trial opinions.
(three) examination and approval, contract seal, mortgage
After the approval of the center, the applicant signs a loan contract (portfolio loan requires the borrower to sign a loan contract with the center and the bank respectively), and after both parties sign and seal the contract, the borrower (property owner * * *) goes through the mortgage registration formalities at the real estate registration department.
(4) obtaining evidence and lending money
After the mortgage registration formalities are completed, the staff of the management office will handle the loan issuance formalities after receiving the "Property Ownership Certificate" or "House Mortgage Advance Registration Certificate".
(five) to receive loan materials
After the loan is posted, materials such as loan transfer vouchers will be mailed or notified.
Friendly reminder:
If the loan applicant (spouse) cannot go through the loan formalities in person, he must go through the notarization formalities. The contents of the notarial certificate should not only make it clear that the trustee will handle the housing provident fund loan on his behalf, but also make it clear that the trustee will sign the Power of Attorney for Personal Credit Information Basic Database Provident Fund Loan on his behalf.