1. Commercial application:

(1) The principal of the entrusted loan is an enterprise or institution as a legal person approved and registered by the administrative department for industry and commerce (or the competent authority).

(2) Companies that handle domestic entrusted foreign exchange loans must be enterprises listed in the Directory of Transnational Corporations approved by the State Administration of Foreign Exchange.

(3) The borrower in the entrusted loan can only be determined by the principal in writing, and shall not be designated by a third party other than the principal.

2. Compliance requirements:

(1) The source and use of clients' funds must comply with the Law on Commercial Banks, the General Rules on Loans and the relevant provisions of the State Administration of Foreign Exchange, and they must operate with their own RMB funds or their own foreign exchange funds.

(2) Foreign exchange entrusted loan funds shall adhere to the principle of full receipt and full payment, and shall not be deducted, written off, settled, used for settlement or pledged for RMB loans.

(3) Entrusted foreign exchange loans are limited to the investment and financial management mode of mutual borrowing of foreign exchange funds between domestic member companies of multinational corporations (overseas business will not be carried out for the time being), and are carried out in the form of entrusted loans in accordance with the provisions of the General Principles of Loans.

(4) The entrusted loan funds shall not be used for providing loans and guarantees to others, for projects that are restricted or prohibited by the state to support or repeat construction, for equity investment, or for securities and futures speculation.

(5) A listed company shall not violate the provisions of the Notice on Guarantee of Listed Companies on the qualifications of principals, and a listed company shall not provide funds to its controlling shareholders and other related parties through loans entrusted by banks and non-bank financial institutions.

The above contents are for your reference. Please refer to the actual business regulations.

Provident fund loans explain what mortgages are like.

According to the relevant regulations, the explanation of the mortgage of provident fund loans is as follows: the progress inquiry of provident fund loans shows that the loan application has not passed, that is, the loan has not passed. Generally, the reasons for failure will be displayed, such as incomplete information, data objection or bad credit record. To apply for a housing provident fund loan, the housing provident fund center will conduct a preliminary examination of the applicant's conditions, and then sign a loan contract with the loan bank after passing the examination, usually about one month after submitting the application. What is the process of buying a house with a personal housing provident fund loan? Preliminary examination: The Housing Provident Fund Management Center conducts a preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount and loan period. After passing the preliminary examination, the center will issue a notice of mortgage review and evaluation. 2. Appraisal: The applicant holds the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated. Three. Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary materials required by the center. Meet the conditions, the center issued the "housing provident fund management center entrusted loan investigation notice". 4. Handling the guarantee procedures: The applicant shall handle the guarantee procedures according to the guarantee method chosen by himself with the Notice of Investigation on the Entrusted Guarantee Loan of the Housing Provident Fund Management Center. If mortgage guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution. 5. Sign a loan contract. The land and housing fund management center signed an entrusted loan agreement with the entrusted bank. Lacquer, the borrower applies for a loan directly to the housing fund management center, and the entrusted industry can collect the borrower's application materials as needed and submit them to the housing fund management center for examination and approval. By the way, after the housing provident fund management center has approved the amount, term and interest rate of each loan, it will sign an entrusted loan contract with the entrusted bank. 9. According to the entrusted loan contract, the entrusted bank shall go through the loan procedures after signing the Mortgage Contract for Housing Provident Fund Entrusted Loan, the Pledge Contract for Housing Provident Fund Entrusted Loan and the Guarantee Contract for Housing Provident Fund Entrusted Loan with the borrower respectively. 10. The entrusted bank directly transfers the loan to the designated account opened by the seller in the entrusted bank.

How to borrow provident fund loans?

First of all, we should know that the premise of the loan is that individual employees with urban hukou and their units must pay the housing provident fund 12 months or more continuously.

The first step, the loan applicant needs to submit a written application for housing provident fund loan to the bank, and truthfully fill in the above contents of the Housing Provident Fund Loan Application Form;

Step 2, submit the relevant materials needed for the loan: the identity certificate and marriage certificate of the applicant and spouse, and the proof that the applicant and spouse's housing provident fund has been paid on time; Proof of economic income of the applicant and spouse; Contracts, agreements and other relevant certificates of the purchased merged houses; Legal certificate and value certificate as loan collateral;

The third step, the information is complete and meets the requirements, and the bank immediately accepts the audit and submits it to the provident fund center in time;

The fourth step, after receiving the information provided by the price increase applicant of Minlian Bank, the provident fund center will; Immediately review, notify the bank immediately after the review is passed, and issue the Notice of Collateral Review and Evaluation;

Fifth, after the approval of the provident fund center, the bank will call the applicant to go to the bank to handle the loan procedures and sign the loan contract or agreement, and then the bank will send the loan contract or agreement to the provident fund center for approval again;

Step 6, after the approval of the provident fund center, the provident fund center signs an entrusted loan agreement with the entrusted bank;

Step 7: According to the entrusted loan agreement, the entrusted Yinqiao Housing Sunshine Bank will handle the loan procedures and transfer the loan after the applicants sign the Mortgage Contract for Housing Provident Fund Entrusted Loan, Pledge Contract for Housing Provident Fund Entrusted Loan and Guarantee Contract for Housing Provident Fund Entrusted Loan respectively;

The eighth step is to go through the mortgage guarantee procedures, and generally there will be a guarantee company to handle it on its behalf.

What are the requirements of personal entrusted loans of China Bank for loan guarantees?

Personal entrusted loan guarantee of China Bank:

1. The personal entrusted loan guarantee method shall be determined by the client and reported to the Bank of China. If an individual entrusts a loan as collateral, the mortgagee shall be the principal.

2. The guarantor shall not be included in the list or scope of sanctions issued by international organizations, China or other countries, and shall not be in the scope where the Bank of China prohibits the establishment or maintenance of customer relations with him.

3. BOC does not act as the guarantor of the entrusted loan borrower, is not responsible for reviewing the credit status of the guarantor, the status of the collateral and supervising the collateral, and does not express any opinions.

The above contents are for your reference. Please refer to the actual business regulations.

The introduction of entrusted loan pledge ends here.