First, the workers for housing provident fund accounts sealed procedures:
1, employees of merged or bankrupt enterprises have not signed labor contracts with new units.
2. The employee's unit was revoked.
3. The employee terminates the labor contract with the unit and has not been re-employed.
4. The employee resigns or is dismissed, dismissed or not rehired by the unit.
5, workers in prison, reeducation through labor.
6, approved holdover housing provident fund units within the approved holdover period.
7, other reasons need to be sealed. Employee accounts are sealed and cannot apply for housing provident fund loans, but because of the purchase of self-occupied housing, the account balance can be withdrawn.
Second, the housing provident fund loan process:
1. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the housing provident fund loan application form and provide real information.
2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time.
3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.
4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.
5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.
Legal basis: Regulations on the Management of Housing Provident Fund
Twelfth housing provident fund management committee shall, in accordance with the relevant provisions of the People's Bank of China, designate a commercial bank entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted bank); The housing provident fund management center shall entrust the entrusted bank to handle financial services such as housing provident fund loans and settlement, as well as the establishment, deposit and return procedures of housing provident fund accounts. The housing provident fund management center shall sign an entrustment contract with the entrusted bank.
Article 24 Under any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account: (1) purchasing, building, renovating or overhauling their own houses; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.