1. What is the provident fund loan review process? The provident fund loan review process: consultation → application for loan (borrower) → review (provide information) → sign loan contract and mortgage contract (bank) → handle contract notarization (notary office) → relevant insurance (insurance

company) → handle the registration of house property mortgage (real estate registration office) → issue the loan (receive the mortgage certificate) → repay the borrower → handle the cancellation registration of the mortgaged property (the loan is paid off in full).

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 personal housing provident fund loans in accordance with the relevant provisions of provident fund loans.

Loan introduction Provident fund loans refer to personal housing provident fund loans. They are local housing provident fund management centers. They use the housing provident funds paid by employees who apply for provident fund loans to entrust commercial banks to provide housing provident fund depositors who purchase, build, renovate, and overhaul self-occupied housing.

and house mortgage loans issued to retired employees who paid housing provident funds during their employment.

Employees who have paid housing provident funds for a certain period of time or more according to regulations (the period in each city is different, such as more than 12 months in Changsha) can apply for provident fund loans when they have insufficient funds to purchase, build, renovate, or overhaul their own housing.

The conditions for the loan are: the unit's current employees sign a labor contract for more than three years (or sign a one-year labor contract for three consecutive years); the company pays housing provident fund normally and continuously on a monthly basis for more than a certain period; the legal retirement age is not exceeded; the borrower has a stable

economic income and the ability to repay principal and interest; the borrower agrees to handle housing mortgage registration and insurance; provides a guarantee method agreed by the local housing fund management center and its affiliated sub-center; and submits relevant documents required by the bank, such as a house purchase contract or a house pre-sale contract.

, house property rights certificate, land use certificate, proof of provident fund deposit, etc.

Loan conditions 1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

2. Those who participate in the housing provident fund system must also meet the following conditions when applying for a housing provident fund personal home purchase loan: that is, they must have continuously paid and deposited the housing provident fund for no less than six months before applying for a loan.

This is because if employees’ behavior of paying housing provident funds is abnormal and intermittent, it means that their income is unstable and risks will easily arise after the loans are issued.

2. What is the housing provident fund loan approval process? Housing provident fund loan application approval process: 1. Lenders applying for housing provident fund loans must submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information: (1) Applicant

and spouse’s housing provident fund payment certificate; (2) identity certificate of the applicant and spouse (referring to resident ID card, permanent residence booklet and other valid residence documents), documents proving marital status; (3) certificate of stable economic income of the family and other reimbursements

Proofs of claims and debts that have an impact on the ability to pay; (4) Valid supporting documents such as contracts and agreements for purchasing a house; (5) Collateral used for security, list of pledges, ownership certificates and the consent of the person with the right to dispose of the mortgage or pledge

Proof, the collateral valuation certificate issued by the relevant department; (6) The Provident Fund Center requires a third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, lender and third-party guarantor must sign a three-party contract.

(7) Other information required by the Provident Fund Center.

2. For loan applications with complete information, the bank will promptly accept and review them and submit them to the Provident Fund Center in a timely manner.

3. The Provident Fund Center is responsible for approving loans and notifying the bank of the approval results in a timely manner.

4. The bank will notify the applicant to handle the loan procedures based on the approval results of the Provident Fund Center. The borrower and his wife will sign a loan contract and related contracts or agreements with the bank, and submit the loan contract and other procedures to the Provident Fund Center for review. The provident fund center will transfer the money after approval.

For entrusted loan funds, the entrusted bank will issue loans in full and on time as stipulated in the loan contract.

5. If the guarantee is in the form of a housing mortgage, the borrower must go to the housing property rights management department in the area where the house is located to handle the real estate mortgage registration procedures. The mortgage contract or agreement must be signed by both husband and wife. If it is pledged with securities, the borrower must hand over the securities.

The management department or alliance center will take custody and keep it.

3. What is the approval process for housing provident fund loans in Guangzhou? The approval process for housing provident fund loans in Guangzhou: From the time you apply for a housing provident fund loan from the lending bank, it will take 18-19 working days until the loan is transferred to the lending bank.

Among them: ① The loan application (fill in the housing provident fund loan application form) is completed on the same day; ② The bank conducts a pre-loan review, and after approval, it is submitted to the Municipal Housing Provident Fund Management Center for review, which is completed within 2 working days.

③The Municipal Housing Provident Fund Management Center will review the loan and complete it within 1 working day.

④After passing the review, the lending bank will sign a loan contract with the borrower, which will be completed within 2 working days.

⑤ If you choose a guarantee guarantee, the guarantee company will handle the counter-guarantee; if you choose a mortgage guarantee, the borrower should go through the mortgage insurance procedures and complete them within 7 working days; if you choose a pledge guarantee, the bank will handle the pledge procedures.