I. Application conditions
1. The applicant must purchase an owner-occupied house in the local household registration and be the owner or owner of the house purchased.
2, the applicant must be normal and full deposit housing provident fund for more than six months.
3. The applicant and spouse have no outstanding housing provident fund loans.
4 to provide the guarantee procedures approved by the city housing provident fund management center.
5. Meet other conditions for housing provident fund loans.
Second, the application materials
1. Housing provident fund deposit certificate provided by Beijing Housing Provident Fund Management Center. (Both parties are non-Beijing couples who have paid housing provident fund in Beijing, and they need to provide; Original 1 copy is kept by the center, and the certification format is provided by Beijing Housing Provident Fund Management Center)
2. Proof of deposit of housing provident fund in different places and details of deposit in the last year. (one positive and one negative)
3. Other information is the same as the normal housing provident fund loan.
Third, the handling process
1, ask for the form. Loan applicants can go to the Beijing Housing Provident Fund business outlets for consultation and obtain the housing provident fund deposit certificate, which can also be downloaded from the Bank's housing provident fund network.
2. Issue certificates. The loan applicant and other employees who need to participate in the calculation of the loan amount shall go to the management center where the provident fund is deposited with the certificate of housing provident fund deposit.
3. Verify the situation. After receiving the relevant information of the applicant, the handling personnel of the housing provident fund management center shall verify the deposit of housing provident fund in different places by telephone, fax and online inquiry.
4. Open an account. Loan applicants and other employees who need to participate in the quota calculation shall go to the business outlets of the housing provident fund management center of our city to handle the account opening procedures for the deposit households of employees with loans from different places with the proof of housing provident fund deposit.
5. Apply for a loan. The specific procedures are the same as the normal application procedures for housing provident fund loans. (During the teller's internal operation, the occupation of employees who have paid housing provident fund in different places should be entered into the column of the applicant's occupation in the borrower's data table in the system. )
Extended data:
Treatment process
First, the loan city provident fund center accepts the consultation of employees' loan business in different places, and informs the loan of the required audit materials at one time.
Second, the employees themselves or their clients apply to the municipal provident fund deposit center, and the municipal provident fund deposit center verifies the loans paid by employees according to their applications, and issues the Certificate of Deposit and Use of Housing Provident Fund for employees who have not used the housing provident fund personal housing loan or whose first housing provident fund personal housing loan has been settled.
Three, the loan city provident fund center after accepting the application of employees' loans in different places, to the deposit city provident fund center to verify the authenticity and completeness of the information of the "employee housing provident fund deposit and use certificate". If the verification is correct, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center. Deposit to the city provident fund center to identify the situation of employees' loans in different places, and establish a detailed account of employees' loans in different places.
4. During the loan repayment period, if the individual account of housing provident fund is transferred, the original deposit city provident fund center shall promptly inform the loan city provident fund center and transfer it to the city provident fund center. Transferred to the city provident fund center should be re-identified and recorded in a timely manner after receiving the employee housing provident fund account.
Five, in loans overdue, the deposit city provident fund center should cooperate with the loan city provident fund center to carry out loan collection and other work. According to the loan contract, the balance in the loan employee's provident fund account can be used to deduct the repayment.
Baidu Encyclopedia: Notice of the Ministry of Housing and Urban-Rural Development on Operational Issues Related to Housing Provident Fund and Individual Housing Loans in Different Places