How to go to the provident fund center for loans

1. The management department of the provident fund management center, such as the local provident fund management office, has municipal provident fund, provincial provident fund and directly affiliated unit Provident Fund (railway, coal, etc.). Due to the differences in policies and requirements of housing provident fund management centers for indivial housing provident fund loans, please consult the provident fund loan business office or the local provident fund management center
the lending banks of provident fund loans are ICBC, BOC and CITIC Bank; Cooperative banks will graally increase, and it is expected that all banks handling provident fund loans will be opened within next year. Indivial housing provident fund loan of Bank of China refers to the loan issued by local housing provident fund management centers using housing provident fund to entrust commercial banks to deposit housing provident fund for purchasing, constructing, renovating and overhauling houses
extended information:
application process
1. Submit information
when the borrower applies for a provident fund loan from the management department of the provident fund management center where he / she deposits the provident fund, if he / she chooses the Guarantee Center to provide guarantee, he / she should submit all the materials required for his / her personal loan application, including personal and spouse's ID card, household registration book, marriage certificate, etc Divorce certificate, proof of down payment for house purchase, house purchase contract, proof of housing provident fund deposit, etc
2. Approval notice
after the loan application has passed the preliminary examination, the management department will issue the guarantee application approval notice, print the loan contract, mortgage (counter guarantee) contract and other relevant legal documents, and hand over all personal loan information to the Guarantee Center
3. Approval
the Guarantee Center reviews the guarantee application, and if the borrower meets the guarantee conditions, the guarantee center issues the approval opinion for guarantee application; If the borrower entrusts an intermediary agency to handle the provident fund loan, the agency shall be responsible for the guarantee application proceres and collect the guarantee service fee
4. Payment
the borrower shall pay the guarantee service fee according to the approved approval opinion of guarantee application. The Guarantee Center shall issue the guarantee service fee invoice and affix the official seal of the Guarantee Center to the approved legal documents such as loan contract, mortgage (counter guarantee) contract and custody contract< Transfer of materials: the approved personal loan application materials (including the sealed contract) shall be transferred to the housing provident fund management department by the Guarantee Center; If the agency is entrusted, the agency shall be responsible for the transmission of the above information< 6. Sign the contract
the housing provident fund management department supervises and guides the loan applicant to sign the loan contract, mortgage (counter guarantee) contract and other relevant legal documents
reference: Sogou - provident fund loan

2.

You can apply for indivial housing provident fund loan from each branch of the provident fund center

the borrower shall collect and truthfully fill in the housing provident fund loan application form from each branch of the provident fund center, and submit relevant materials to the provident fund center for review. Each branch of the provident fund center puts forward suggestions on the loan amount and term through the examination of the authenticity and repayment ability of the borrower's house purchase. After the initial examination is qualified and the opinions are signed by the person in charge of the branch, it shall be submitted to the municipal provident fund center for approval

the municipal provident fund center made a decision to grant or not to grant the loan after examination, and transferred the loan materials back to each branch; If the loan is approved, the branches of the provident fund center shall transfer the loan materials to the entrusted bank, and the entrusted bank shall notify the borrower and the mortgage guarantee parties

and signed the "housing provident fund loan contract" and went through the mortgage guarantee proceres; If it fails to meet the loan conditions, each branch shall notify the applicant of the loan and explain the reasons; The entrusted bank makes loans to the borrower

extended data:

the calculation of provident fund loan limit should be determined according to four conditions: repayment ability, housing price ratio, housing provident fund account balance and loan ceiling. The minimum value calculated by the four conditions is the maximum loan amount of the borrower

for those who use their own housing provident fund to apply for housing provident fund loan, the maximum loan limit is 400000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loan, the maximum loan limit is 600000 yuan. Using my housing provident fund to apply for housing provident fund loan, and I normally deposit supplementary housing provident fund when applying for loan

the maximum loan is 500000 yuan; If the spouse's housing provident fund is used to apply for housing provident fund loan at the same time, and he or his spouse normally deposits supplementary housing provident fund when applying for loan, the maximum loan limit is 700000 yuan

3. 1. To the local housing provident fund management center to apply for loans. The borrower holds the house purchase and construction contract or agreement ( of the buyer's house sales license; Those who build or repair houses need to apply for housing provident fund loan at the provident fund management center of each city, district and county with the approval document of the land planning and Management Department of the government), ID card, housing provident fund savings magnetic card and seal. Those who use the housing provident fund loan of both husband and wife should also bring the marriage certificate or other proof of the relationship between husband and wife and fill in the application form of personal housing provident fund loan. According to the borrower's application, the lending bank assesses whether the borrower meets the loan conditions, calculates the loan amount and determines the loan term< 2. Sign a loan contract. After the local provident fund management center (or entrusted bank) reviews and approves the borrower's application, the borrower and the provident fund management center sign the loan contract and mortgage contract (if the real estate mortgage is used, the mortgage contract shall be signed; if the personal guarantee is used, the personal double guarantee of the provident fund shall be enjoyed)

3. Those who apply for housing mortgage should apply for notarization of real estate mortgage. At that time, you need to bring your house property certificate (and land certificate), ID card, marriage certificate, household register and a in 5 copies, and go through the notarization and other housing certificate related proceres< 4. After the mortgage proceres are completed, the borrower shall submit the loan information to the provident fund management center together with the loan contract, mortgage contract (pledge contract), other house ownership certificate or mortgage certificate. At that time, the provident fund management center will entrust the housing credit department of China Construction Bank to deposit the money into your personal account on time.

4. First hand housing provident fund loan process:
the first step of loan consultation
the loan applicant should consult the entrusted bank of the management center, get the "first hand housing indivial housing provident fund loan folder", fill in it as required, and submit it to the entrusted bank together with the following information:
the second step of application
1 Original and of household register
2. The original and of the marriage status certificate (the single certificate is issued by the Civil Affairs Department)
3. The original and of the house purchase contract filed by the real estate department and the down payment receipt no less than 20% of the total house price
4. Other supporting materials required by the lending bank
the third step is loan acceptance and bank Preliminary Review
1. The entrusted bank interviews with the loan applicant to review the application materials submitted by them
2. Query and print the personal credit report of the borrower and his / her spouse, and review the personal credit and housing loan of the couple
3. The entrusted bank concts "family housing information query" on the loan applicant through the real estate department
4. For borrowers who meet the loan conditions, the entrusted bank concts pre loan trial calculation in the provident fund system, and according to the trial calculation results and repayment ability, discusses with the borrower to determine the loan amount
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5. (source: Jinqian online Guizhou daily Author: Tu Yanyan Xiang Yongdong) according to the person in charge of the housing provident fund management center, the conditions for applying for housing provident fund loans are: having a permanent residence in the administrative region of Guiyang city; Continuously deposit housing provident fund for more than 6 months; Having full capacity for civil conct; Have stable economic income and the ability to repay the loan principal and interest; There are house purchase contracts, agreements or other approval documents in line with the law; Own funds for purchasing more than 30% of the total price of ordinary self occupied housing; There are municipal housing provident fund management center and authorized bank guarantee; If real estate mortgage is used as guarantee, it shall comply with the relevant provisions of real estate mortgage management; Other conditions stipulated by Guiyang housing accumulation fund management center. Application for housing provident fund loans to provide information: Guiyang city housing provident fund entrusted loan application form; The original and of the borrower's household register and ID card; Certificate of the borrower's occupation and economic income issued by the borrower's unit; The original and of the house purchase contract, agreement or other approval documents in accordance with the law. For the purchase of ordinary commercial housing and affordable housing, the copies of "pre-sale license of commercial housing in Guiyang city" and "registration form of pre-sale contract of commercial housing in Guiyang city" shall be provided (the copies shall be stamped with the official seal of the selling unit); Original and photo of down payment voucher for more than 30% of the total purchase price of ordinary self occupied housing; The list and ownership certificate of the mortgaged or pledged property, the certificate that the person with disposition right agrees to mortgage or pledge, the appraisal certificate of the mortgaged property issued by the competent department, the written document that the Guarantor agrees to provide guarantee and the credit certificate of the guarantor; Other documents or materials required by Guiyang provident fund management center. When applying for housing provident fund loan, the borrower should first go to the housing provident fund management center or the entrusted bank loan business acceptance network to inquire whether he has the housing provident fund loan conditions; If it meets the requirements, get the application form of entrusted loan of housing provident fund from the housing provident fund management center or the entrusted bank loan business acceptance point, and fill in the attached information according to the provisions of the form and send it to the housing provident fund management center or the entrusted bank loan business acceptance point; The housing provident fund management center will review the information and credit of the borrower within two days. For those who meet the conditions of loan issuance, the housing provident fund management center will send the information of the borrower to the entrusted bank by specially assigned person. The borrower will receive the notice of relevant loan proceres from the bank two days later. For those who do not meet the conditions of loan issuance, the application information will be returned.

6.

I believe that we should be familiar with the housing provident fund. Even if we haven't paid it for many years, we have paid it for several months. But do you know whether the housing provident fund can be loaned? If so, how should housing provident fund loans be handled? If you are not clear about the answer to the question, then follow Xiaobian to learn

Can housing provident fund loan

housing provident fund refers to the long-term housing fund deposited by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non enterprise units, social organizations and their employees

housing provident fund loan refers to the housing mortgage loan issued by the local housing provident fund management center to the on-the-job employees who deposit the housing provident fund and the retired employees who deposit the housing provident fund ring the on-the-job period, using the housing provident fund paid by the employees in their units

It can be seen that the housing provident fund can apply for loans, but it can only be used for employees to purchase, build, rebuild and overhaul their own houses. The main types of provident fund loans include new housing loans, second-hand housing loans, self built housing loans, housing decoration loans, commercial housing loans to provident fund loans, etc. but it should be noted that not all provident fund centers can handle these types of loans

How to apply for housing provident fund loan The management center of housing provident fund reviews the information of the borrower, including the borrower's qualification, loan amount, term, etc. after passing the review, the management center will issue the relevant certificate of approval for the loan

If the borrower has passed the approval of the housing provident fund management department, he can sign the loan contract and guarantee contract with the loan bank, and go through the mortgage registration, insurance, notarization and other related proceres

4. Loan granting

according to the loan contract, the lending bank shall transfer the loan to the bank account designated by the borrower in one or several times

5. Repayment on time

After the loan is settled, the borrower shall obtain the "loan settlement certificate" from the lending bank, retrieve the original mortgage registration certificate and insurance policy, and go through the mortgage registration cancellation proceres with the original mortgage registration department

the above is the related knowledge of housing provident fund loan arranged by Xiaobian for you, I hope it can help you

(the above answers were published on December 15, 2015, and the current relevant purchase policies are subject to the actual situation)

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7. The bank only handles the relevant proceres on behalf of the provident fund management center, and the approval is handled by the provident fund center.

8. With the real estate consultant to specific proceres can be

after the information of the sales office is handled, you can take the information to the provident fund center

9. If yes, to apply for housing provident fund loan from the joint card bank, the lender needs to submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information:
the applicant and his spouse's housing provident fund deposit certificate
proof of identity of the applicant and his / her spouse (i.e. resident identity card, permanent residence booklet and other valid residence certificates), proof of marital status
proof of stable economic income of the family and other proof of creditor's rights and debts that have an impact on repayment ability
the contract, agreement and other valid supporting documents for the purchase of housing
list of collateral and pledge used for security, ownership certificate, and certificate of consent to mortgage and pledge by the person with the right of disposal,
appraisal certificate of collateral issued by relevant departments
the provident fund center requires a third-party guarantor to guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor shall jointly sign a third-party contract
other information required by the provident fund center
the conditions for applying for provident fund loan are as follows:
permanent residence in the local town with valid residence certificate
if the housing provident fund has been deposited continuously for more than 6 months before the loan, the accumulative deposit time of the provident fund shall not be less than 12 months
the self raised fund of the first house is more than 30% of the total price of the house purchased (including 30%), and the loan of the first house below 90 square meters is only 20%
the borrower has a proper job and stable income, a fixed monthly salary, and a clear intention to repay the loan
signed a house purchase contract with the sales office
other conditions specified by the client and the trustee are met
housing provident fund loan process:
the lender needs to submit a written application to the bank to apply for housing provident fund loan
for the loan application with complete information, the bank will accept and review it in time and submit it to the provident fund center in time
the provident fund center is responsible for examining and approving the loan and informing the Bank of the examination and approval results in a timely manner
the bank will inform the applicant to go through the loan proceres according to the approval result of the provident fund center. The borrower's husband and wife will sign the loan contract and relevant contract or agreement with the bank, and send the loan contract and other proceres to the provident fund center for review. After the approval of the provident fund center, the entrusted loan fund will be allocated, and the entrusted bank will issue the loan in full and on time according to the loan contract
in the case of housing mortgage, the borrower shall go through the registration proceres of housing mortgage at the housing property management department in the area where the house is located. The mortgage contract or agreement shall be signed by both husband and wife. If the mortgage is made with securities, the borrower shall deliver the securities to the management department or the Alliance Center for custody.