what is the hotline number of the housing provident fund? The phone number is 12329.

housing provident fund loan procedures

The borrower submits a written application for loan to the management center, fills in the loan application form, and provides the following information:

1. Identity documents of the borrower and his spouse (referring to resident identity cards, household registration books or other valid residence certificates);

2. proof of the monthly income of the borrower and his wife;

3. Providing a legally binding purchase contract or agreement for the purchase of housing; Provide land use certificates and approval documents of relevant departments for the construction, renovation and overhaul of housing;

4. proof of down payment of more than 3% (including 3%) of the total house purchase, construction, renovation and overhaul;

5. Valid vouchers for housing provident fund payment;

6. The certificate of ownership of the collateral, the list of pledged goods and the certificate that the person who has the right to dispose of it agrees to mortgage or pledge, or the written commitment of the guarantor to provide joint and several liability guarantee and the guarantor's credit certificate;

7. Other materials required by the management center.

article 11 pre-loan investigation and evaluation

after accepting the borrower's application, the management center shall conduct loan investigation and evaluation in time. The investigation contents mainly include:

1. The authenticity, legality and completeness of the information provided by the borrower;

2. Whether the purchase, construction, renovation and overhaul of the house is true and legal, and verify whether the down payment reaches 3% of the total price;

3. Whether the borrower's deposit of housing provident fund is normal;

4. Whether the borrower has the ability to repay the loan principal and interest;

5. Whether the mortgage guarantee is sufficient and effective, whether the * * * owner has issued a legal document agreeing to mortgage, and whether the guarantor's credit status is good.

Article 12 Review and approval of loans

The loan review department reviews the borrower's information and investigation opinions submitted by the investigation department, focusing on the authenticity and reliability of the borrower's qualifications and repayment sources; Review the legality of loan mortgage, pledge and guarantee; Review whether the loan amount and term are consistent with the borrower's income, etc. The examination opinions shall be submitted to the approver for examination and approval, and the approver shall put forward the examination and approval opinions on the loan amount, term and guarantee method.

article 13 signing contracts and granting loans

1. if the management center agrees to the loan, the management center, the entrusted bank, the borrower and the guarantor shall sign loan contracts and guarantee contracts (including mortgage, pledge and guarantee contracts).

2. After the contract is signed, the borrower goes to the real estate department to register the mortgage of house property rights, and goes to the bank where the pledge certificate is issued to register the stop payment of securities.

3. according to the loan contract, the management center will transfer the funds to the entrusted loan fund account, and the entrusted bank will transfer the funds to the seller's account or personal savings account by means of transfer according to the loan contract and the loan notice (see the operation flow for details).

Article 14 The housing provident fund management center shall, within 15 days from the date of accepting the application, make a decision on granting or not granting the loan, and notify the loan applicant; If the loan is granted, the entrusted bank shall complete the loan formalities within working days.

Article 15 Where a developer provides personal housing loans with housing accumulation fund for the purchase of real estate built by the developer, it is necessary to strictly examine whether the purchased housing meets the requirements of the capping of the main structure and the developer's pre-sale permit for commercial housing, and submit it to the loan review committee for deliberation.