Provident fund loans refer to loans enjoyed by employees who have paid housing provident funds. According to national regulations, all employees who have paid housing provident funds can apply for provident fund loans in accordance with the relevant provisions of provident fund loans.

Provident fund loans refer to the establishment of public housing funds for employees. It is a measure to implement the reform of the housing system in my country. The purpose is to be jointly borne by the state, collectives and individuals to solve the housing difficulties of employees. Provident fund loans refer to the benefits enjoyed by employees who have paid housing provident funds. For loans, the state stipulates that all employees who have paid provident fund deposits can apply for provident fund loans in accordance with the relevant provisions of provident fund loans.

To explain in detail, provident fund loans are provided to employees who have a local urban permanent residence, have established a housing provident fund system for more than 2 years, and have paid housing provident funds as required. If they have insufficient funds to purchase and build a house or renovate or overhaul their own housing, they can enjoy a provident fund loan.

The conditions for the loan are: the total provident fund deposited by the borrower and his family members reaches at least 30% of the expenditure on newly purchased (overhauled) housing; the borrower has stable economic income and the ability to repay principal and interest; the borrower agrees to apply for a housing mortgage

Registration and insurance; provide a guarantee method agreed by the local housing fund management center and its branch center; and submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, house property ownership certificate, land use certificate, proof of provident fund deposit, etc.

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Application Process Submission of Materials When a borrower applies for a provident fund loan to the management department of the provident fund management center where the provident fund is deposited, and chooses the guarantee center to provide guarantee, the borrower should submit all the materials required for the personal loan application, including the materials required for the guarantee application, including

Personal and spouse’s ID cards, household registers, marriage certificates, divorce certificates, house purchase certificates, house purchase contracts, housing provident fund deposit certificates, etc.

After passing the initial review of the loan application, the Review Notice Management Department will issue a "Guarantee Application Review Notice", print out the "Loan Contract", "Mortgage (Counter Guarantee) Contract" and other relevant legal documents, and submit all personal loan information to the Guarantee Center.

The Approval Guarantee Center will review the guarantee application. If the borrower meets the guarantee conditions, the Guarantee Center will issue a "Guarantee Application Approval Opinion"; if the borrower entrusts an intermediary agency to handle the provident fund loan, the agency will be responsible for the guarantee application procedures and collect the guarantee services.

fee.

(Note: The agency agency must have the qualification certification of the Beijing Housing Provident Fund Management Center and sign a cooperation agreement with the guarantee center.) The payment borrower pays the guarantee service fee based on the approved "Guarantee Application Approval Opinion".

The Guarantee Center issues invoices for guarantee service fees, and stamps the official seal of the Guarantee Center on approved legal documents such as the Loan Contract, Mortgage (Counter Guarantee) Contract, and Collection Contract.

The personal loan application materials (including the sealed contract) after material transfer and review will be forwarded by the Guarantee Center to the Housing Provident Fund Management Department; if an intermediary is entrusted to handle the application, the intermediary will be responsible for the transmission of the above information.

Sign the Contract The Housing Provident Fund Management Department supervises and guides the borrower applicants to sign the "Loan Contract", "Mortgage (Counter Guarantee) Contract" and other relevant legal documents.

The establishment of the employee housing provident fund is a measure to implement the housing system reform in my country. The purpose is to solve the housing difficulties of employees by the state, collectives and individuals.

The housing provident fund refers to the long-term housing savings deposited by state agencies, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees.

According to regulations, all employees who have contributed to provident funds have the right to enjoy such loans and can apply for provident fund loans in accordance with the relevant provisions of provident fund loans.

Approval procedures 1. Basis for approval 1. "Housing Provident Fund Management Regulations" 2. "XX City Housing Provident Fund Loan Management Measures" 2. Scope of acceptance: employees who normally pay housing provident funds in our city purchase, build, renovate,

When overhauling self-occupied ordinary houses due to insufficient funds, you can apply for a personal housing provident fund loan from the affiliated institutions of our center.

3. Application conditions Borrowers applying for a loan should meet the following conditions: 1. Have a permanent residence in XX City or a valid residence certificate; 2. Pay and deposit the housing provident fund in full for more than 12 months, or withdraw the provident fund and then pay and deposit it for 12 consecutive months.

More than three months; 3. Purchase, build, renovate, and overhaul self-occupied ordinary housing (excluding commercial and residential dual-use housing) within this city and have relevant procedures, documents and the required proportion of self-raised funds delivered; 4. Have

Stable income, good credit, and the ability to repay the principal and interest of the loan; 5. Agree to provide guarantee in accordance with the guarantee method approved by the Provident Fund Center; 6. Agree to perform the repayment obligations on time in accordance with the relevant provisions of these Measures and the "Housing Provident Fund Loan Contract";

7. Other conditions stipulated by laws, regulations, rules and Provident Fund Center.