1, when applying for the purchase of commercial housing and affordable housing, while signing the purchase contract with the selling unit, the selling unit will receive the Approval Form for Housing Provident Fund Loan Application, fill in the form and prepare relevant materials to determine the loan amount; Construction and overhaul of owner-occupied housing, with the approval documents of land and planning management departments, apply for loans to Changchun Housing Provident Fund Management Center; If you buy a private house (second-hand house) with complete property rights, you should apply to Changfang Replacement Guarantee Co., Ltd. 2. Review the house selling unit or guarantee company and report the borrower information together with the purchase contract, down payment receipt and other materials to the Municipal Housing Provident Fund Management Center for approval. 3. After signing the loan contract and being approved by the housing provident fund management center, notify the borrower to sign the loan contract with the bank. And handle the contract notarization, collateral insurance and other related procedures. 4. Guaranteed purchase of commercial housing and affordable housing shall be undertaken by the developer who signed the Housing Provident Fund Loan Cooperation Agreement with the Center. Before the house is formally mortgaged, the developer shall bear the joint liability guarantee for the borrower; To purchase a second-hand house with property right certificate and land certificate, you should go directly to the mortgage department of the city real estate trading center for mortgage registration, and go through the relevant formalities to the property right registration and certification center for other house warrants; The purchase of second-hand houses with property certificates and no land certificates shall be borne by the guarantee company. 5. After the borrower of the bank loan completes all the above procedures, the Center will issue a "Decision on Granting Loan" to the entrusting bank to inform the bank to lend money.

2. What is the maximum loan for provident fund renovation loan?

According to China's relevant regulations, the maximum amount of ordinary provident fund loans is 200,000 yuan. If it exceeds 200,000 yuan, it needs the approval of the loan evaluation committee of the provident fund management center. When applying for a loan, the income of the lender will be taken as a reference factor. The loan amount generally does not exceed 50% of the family income, that is, when the family income is 1 10,000 yuan, the monthly repayment amount cannot exceed 5,000 yuan. Generally, housing provident fund loans cannot be used to decorate a house, only when the house is overhauled, but overhaul and decoration are completely two concepts. If the house decoration amount is insufficient, you can go to the bank to apply for a decoration loan.

Third, how to apply for housing provident fund loans for housing decoration?

Buying a house with provident fund is a way that many families will choose now. Compared with users who don't use provident fund to buy a house, using provident fund is more favorable in policy. In the past, the provident fund was designated to be used only for buying a house. Now the policy of the provident fund has been reformed, which can be used to buy a house, or it can be extracted as a fund for repairing a house or a subsidy for decoration. So today we will introduce the main process of applying for provident fund to decorate the house.

First: submit an application.

When purchasing commercial housing and affordable housing, while signing the purchase contract with the selling unit, the selling unit shall receive the Application and Approval Form for Housing Provident Fund Loan, fill in the form and prepare relevant materials to determine the loan amount; Construction and overhaul of owner-occupied housing, with the approval documents of land and planning management departments, apply for loans to Changchun Housing Provident Fund Management Center; The purchase of private houses (second-hand houses) with complete property rights shall be applied to Changfang Replacement Guarantee Co., Ltd.

Second: banks or financial institutions conduct audits.

The unit or guarantee company will submit the borrower's information together with the purchase contract, down payment receipt and other materials to the Municipal Housing Provident Fund Management Center for review.

Third: sign a decoration loan contract.

After the examination and approval of the housing provident fund management center, notify the borrower to sign a loan contract with the bank. And handle the contract notarization, collateral insurance and other related procedures.

Fourth: find a guarantee.

Purchase commercial housing and affordable housing built by the developer who signed the "Housing Provident Fund Loan Cooperation Agreement" with the center, and the developer will provide guarantee for the borrower by stages before the house is formally mortgaged; If you buy a second-hand house with a property right certificate and a land certificate, you should go directly to the mortgage department of the city real estate trading center to register the mortgage, and go through the relevant formalities of his property right certificate at the property right registration and certification center; The purchase of second-hand houses with property certificates and no land certificates shall be borne by the guarantee company.

Fifth: after the approval, the bank lends money.

After the borrower has gone through all the above procedures, the Center will issue a "Decision on Granting Lending" to the entrusting bank to inform the bank to lend.

Sixth: Late repayment.

Above, we introduced some information about provident fund for you. In this article, we mainly focus on how to apply for provident fund. You can see that we divide the provident fund application process into six steps to explain it to you. These six steps are submitting an application, auditing by a bank or financial institution, signing a decoration loan contract, finding a guarantee, lending by a bank, and later repayment. Please take a closer look at these six steps.

How to borrow the decoration provident fund loan?

1. The lender of provident fund renovation loan must have permanent residence or valid residence status in this city. 2. Push forward from the date of application, and pay the housing provident fund in full for more than 2 months (if both husband and wife pay the provident fund, only one person is allowed to borrow). 3 provident fund renovation loan applicants must have a contract (agreement) and related materials that meet the legal requirements for the purchase, building or self-occupied housing overhaul. 4. There is a certain proportion of self-raised funds. For the purchase of commercial housing and affordable housing, the self-raised funds shall not be less than 20% of the total housing price (for the purchase of second-hand houses or the construction and overhaul of housing, the self-raised funds shall not be less than 30% of the total housing price). 5. Have a stable economic income and the ability to repay the loan principal and interest (monthly income certificate issued by the employer). 6. It is agreed to use the purchased house or self-owned house or the third-party house with complete property rights as collateral, or the securities recognized by the loan bank and the bank time deposit certificate as collateral.