The loan application (fill in the housing provident fund loan application form) is completed on the same day;
(2) The bank shall conduct pre-loan review, and report to the municipal housing provident fund management center for review after approval, which shall be completed within 2 working days.
(3) The municipal housing provident fund management center will review the loan and complete it within 1 working day.
(4) After approval, the loan bank signs a loan contract with the borrower, which will be completed within 2 working days.
⑤ If the guarantee is selected, the guarantee company shall handle the counter-guarantee mortgage procedures and complete them within 6 working days; If mortgage guarantee is selected, the borrower shall go through the mortgage insurance procedures and complete them within 7 working days; Where a pledge guarantee is selected, the bank shall go through the pledge formalities.
The loan bank will submit the borrower's information to the municipal housing provident fund, which will be completed within 2 working days.
All landowners city housing provident fund management center approval of loan materials, completed within 3 working days.
⑧ The borrower goes to the loan bank to handle the transfer formalities, which will be completed within 1 working day.
Extended data:
I. Procedures
1. The borrower goes to the branches of the provident fund center to collect and truthfully fill out the Application Form for Housing Provident Fund Loan, and submit relevant materials to the provident fund center for review;
2, provident fund center branch through the examination of the borrower's purchase authenticity and repayment ability, put forward suggestions on the loan amount and duration, after passing the preliminary examination and signed by the person in charge of the branch, and then reported to the municipal provident fund center for approval;
3. After examination, the Municipal Provident Fund Center makes a decision on whether to grant or not to grant the loan, and sends the loan materials back to all branches;
4. If the loan is granted, the branches of the Provident Fund Center will transfer the loan materials to the entrusted bank, and the entrusted bank will notify the borrower and the mortgage guarantee parties to sign the Housing Provident Fund Loan Contract and handle the mortgage guarantee procedures; For those who do not meet the loan conditions, each branch shall notify the loan applicant and explain the reasons;
5. The entrusted bank issues loans to borrowers.
Second, the loan procedure
① Policy consultation
Workers who have paid the housing provident fund can consult Shanghai Housing Property Guarantee Co., Ltd. (hereinafter referred to as the guarantee company) to learn about the object, conditions and procedures of the secured loan, as well as the amount, term and interest rate of the main loan.
At the same time, I can check the payment of my housing provident fund with my ID card and personal provident fund account number to determine whether it meets the loan guarantee conditions and the maximum and minimum loan guarantee period. When the borrower applies for a loan, the guarantee company will provide the Application for Personal Housing Provident Fund Guaranteed Loan for the borrower to fill in.
② Application acceptance
If the loan applicant provides relevant information, and the guarantee company meets the conditions of the secured loan in the first instance, the loan applicant will pay the fee according to the list of fees by the guarantee company's "Personal Housing Provident Fund Housing Guarantee Loan Acceptance Form" and sign the "Personal Housing Provident Fund Housing Guarantee Loan Contract".
③ Seal of real estate company
The borrower requires the real estate company to seal the loan contract for individual housing provident fund purchase guarantee, and the real estate company provides phased guarantee.
④ Implement the repayment method.
The borrower holds his ID card to the loan bank to handle the repayment account. If he has a credit card, he will go to the bank to confirm the credit card repayment and sign an entrusted repayment agreement.
⑤ Apply for mortgage registration.
The loan applicant holds relevant materials to go through the mortgage registration formalities at the county real estate trading center where the house is purchased.
⑥ Inform the bank to lend money.
The loan applicant shall submit relevant materials to the guarantee company with the certificate of completing the mortgage registration procedures and the "Personal Housing Provident Fund Purchase Guarantee Loan Contract" promised by both parties. After the guarantee company is approved, it will issue a loan notice to the lending bank to inform it to lend money.
⑦ Receiving personal data
After all the formalities are completed, the guarantee company informs the borrower to receive the personal custody information.
Baidu encyclopedia-provident fund loan