1. Bring the original and photocopy of relevant materials to the Provident Fund Administration for consultation and application, and fill in the application form. The materials here mainly include the applicant's ID card, bank card and other materials required by the Housing Provident Fund Administration. If you already have a provident fund card, you can use the old card directly. If you have never had a provident fund card, you need to get a new one.
2. After the application is approved by the provident fund management department, relevant notice will be sent to the applicant.
After receiving the notice, the applicant needs to sign the contract with the original of relevant materials in the bank, and then need to go through some notarization procedures in the notary office.
4. The applicant shall go through relevant registration with the Real Estate Administration Bureau with this contract.
5. The applicant takes the contract and notarial certificate to the provident fund hall to receive the notice of transfer, and finally takes the notice of transfer to the bank for the final transfer procedures.
Conditions for individuals to apply for housing provident fund loans:
1. Personal deposits are mainly applicable to some freelancers and self-employed.
2. It is necessary to deposit the housing provident fund for more than one year, and the provident fund has not been withdrawn within the prescribed time limit before applying for a loan.
3. The local house has been purchased and there is a legally binding purchase contract.
4. If you are an on-the-job employee, you must pay the house advance payment before applying for the provident fund loan.
5. The borrower has stable economic income and repayment ability.
6. Other conditions stipulated by the local management center.
Personal provident fund management:
1. If an individual is an individual industrial and commercial household, he can pay the provident fund for himself, because our country stipulates that individual industrial and commercial households can pay the provident fund for themselves.
2. If the individual is an employee of the company, if the company has not paid the provident fund, you can try to communicate with the company leaders about paying the provident fund, but if the company can't pay it for you, you can pay it all yourself.
3. If you are unemployed and work in WeChat business or Taobao, you can't pay the provident fund if you are not an employer or an individual industrial and commercial household. In this case, you can only pay the provident fund yourself through the affiliated unit.
Legal basis:
Regulations on the administration of housing provident fund
first
In order to strengthen the management of housing provident fund, safeguard the legitimate rights and interests of housing provident fund owners, promote urban housing construction and improve the living standards of urban residents, these regulations are formulated.
second
These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC).
The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions (hereinafter referred to as units) and their employees.
essay
The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.
Article 4
The management of housing provident fund shall follow the principles of decision-making of housing committee, operation of housing provident fund management center, special account storage and financial supervision.