1) The borrower applies to the housing fund management (sub-) center where the unit has paid the housing provident fund, introduces himself and gets the materials.

2) Prepare complete written materials and submit them to the housing fund management (sub-) center for review, including verifying the loan application form, whether the house purchase behavior is legal, verifying the loan amount and duration, and determining the loan guarantee method. Loans that need to be evaluated shall be evaluated by designated evaluation agencies.

3) After passing the preliminary examination, the housing fund management center will issue an investigation notice, and the entrusted bank will investigate the borrower and guide the borrower to fill in the relevant loan contract. The contents of the inspection include: verifying whether the person with guaranteed income and the guarantor are qualified to guarantee.

4) Accept the entrustment

If the bank investigation passes, the entrusted bank will issue an investigation opinion and submit it to the housing fund management center (sub-center) for approval.

5) After approval, the housing provident fund management (sub-) center will issue a notice of entrusted loan. The bank informs the borrower to go through the loan formalities.

After the loan contract comes into effect, the housing fund management (sub-) center will transfer the funds into the entrusted loan fund account, and then the entrusted bank will transfer the funds.

Developer account.

7) The borrower shall repay the loan on time in the prescribed way.

8) When the borrower pays off the principal and interest of the loan, the loan contract and related guarantees are dissolved and relevant documents are returned to the borrower (mortgagor or pledger).

Related information: /SsZvpB

Second, how to handle the monthly payment of Suzhou online provident fund?

After the provident fund loan is issued, you can enter the official account of official website or WeChat in the provident fund center, submit relevant information according to the system prompts, and handle the provident fund hedging loan repayment business.

However, before applying for provident fund hedging loan repayment, the customer qualification is required to meet the requirements of the provident fund center. For example, the customer's provident fund account status is normal, and continuous payment meets the requirements of the provident fund center. In addition, the balance of the provident fund account should be greater than 12 times of the monthly repayment amount.

3. How to calculate the loan amount of Suzhou Park Provident Fund?

We can apply for a housing provident fund loan to buy a house. At this time, there will be certain restrictions on the amount. So what are the rules of Sue? In order to help you better understand the relevant legal knowledge, I have compiled the following contents, hoping to help you.

Calculation of the loan amount of Suzhou Park Provident Fund

The loan amount of housing provident fund should be comprehensive

The calculation of provident fund loan amount should be based on repayment ability, the percentage of provident fund loan to house price, the balance of housing provident fund account and loan conditions, and the minimum value should be the maximum loanable amount of the borrower. The calculation method is as follows: the total monthly salary of the borrower's unit housing provident fund) × repayment ability coefficient-the total monthly repayment amount of the borrower's existing loan × loan period (month). If the spouse's quota is used, (total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife × loan period (month). Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution);

Loan amount = house price × loan ratio. The loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage sets;

For housing provident fund loans calculated according to the balance of housing provident fund account, the loan amount shall not exceed 10 times of the account balance (if the spouse's housing provident fund is used to apply for provident fund loans at the same time, it shall be the sum of the employee's and spouse's housing provident fund account balances), and the housing provident fund account balance shall be calculated according to 20000;

The maximum loan amount calculated according to the maximum loan amount is 400,000 yuan; At the same time, use spouse housing provident fund to apply for housing provident fund loans and loans. If I use my housing provident fund to apply for normal deposit of supplementary housing provident fund, the maximum loan amount is 500,000 yuan; At the same time, the spouse's housing provident fund is used to apply for a housing provident fund loan. When applying for a loan, the normal deposit amount of the spouse or himself is up to 700,000 yuan.

The above contents are related answers. Under normal circumstances, if you want to make loans on the amount of housing provident fund loans, there will be some differences in different situations. If you use your spouse's housing provident fund at the same time, it should be 600 thousand. Four, Suzhou provident fund loan conditions and processes

Conditions and process of Suzhou provident fund loan. With the popularization of "five insurances and one fund", the use of housing provident fund is becoming more and more common, but the partners who first contacted the provident fund are not clear about the loan conditions of the provident fund. Next, the editor will bring the loan conditions and process of Suzhou Provident Fund.

Provident funds are used by more and more people around us. When the amount of provident fund reaches a certain level and needs to be used to borrow money to buy a house, it is faced with the related problems of Suzhou provident fund loan. Next, let's take a look at the new policy of Suzhou provident fund loan.

Letter of credit clause

First, the purchase of new ordinary housing to apply for provident fund loans need to meet:

1. The loan applicants and co-loan applicants who participated in the calculation of the loan amount paid the housing provident fund (inclusive) in full and on schedule more than 6 months before the application date, and the individual housing provident fund account was in a normal payment state at the time of application.

2. No provident fund loan balance

3, the first or second time for provident fund loans.

4. Buy a new ordinary house in Suzhou, and the real estate development enterprise to which the house belongs has gone through the building application formalities according to the regulations.

5. The down payment for house purchase shall not be less than the specified proportion.

6. Executable loan guarantee.

Two, the purchase of residential inventory (second-hand housing) to apply for provident fund loans need to meet:

1. The loan applicants and co-loan applicants who participated in the calculation of the loan amount paid the housing provident fund (inclusive) in full and on schedule more than 6 months before the application date, and the individual housing provident fund account was in a normal payment state at the time of application.

2. Loan balance without provident fund

3, the first or second time for provident fund loans.

4, the purchase of Suzhou city within the scope of the inventory of complete sets of housing.