First, how to use the military housing provident fund?
Ex-servicemen and active servicemen who buy, build or lease self-occupied housing may apply for withdrawal of the deposit balance in the housing provident fund account. If individual housing loans (including commercial loans and housing provident fund loans) are used, the balance in the housing provident fund account can be withdrawn in accordance with regulations to repay the principal and interest of individual housing loans. Active servicemen who leave their jobs due to transfer, retirement and other reasons may apply for withdrawal of the deposit balance in the housing provident fund account with relevant materials such as transfer orders and retirement procedures.
2. What are the necessary conditions for handling military provident fund loans?
1, active officers, civilian cadres and non-commissioned officers, retired cadres and non-commissioned officers under military management;
2, the family must have the ability to repay the loan principal and interest;
3. There is a down payment ratio of housing provident fund loans that is not lower than that stipulated by the state;
4. The shortest loan period is 2 years, generally not more than 20 years, and the longest repayment period is 5 years after the borrower reaches the statutory retirement age;
5. For how to handle the military provident fund loan, there must also be a house purchase contract, agreement or relevant supporting documents that meet the legal requirements;
6. Provide loan guarantees that meet the requirements of cooperative banks;
7. The house purchased is the first family house; Neither husband nor wife has applied for military or local housing provident fund loans;
8. Good credit status; Other conditions stipulated by the army and cooperative banks;
9. If both husband and wife of the borrower are soldiers, only one of them can apply for a military housing provident fund loan.
Third, how to handle the military provident fund loan?
(1) Individuals apply to the army: 1. Personal application. The lender downloads and fills in the application form through the loan inquiry system;
2, the unit audit report. After review by each unit, it shall be reported before 15 of the current month;
3. Superior qualification for examination and approval. The superior business department shall complete the examination and approval before the end of the month;
4. Obtain loan approval. After the second month 1 day of application, the lender will print the approval letter of provident fund loan qualification to the financial department;
5. Sign the repayment authorization. The Lender and the Finance Department sign a power of attorney for entrusted transfer repayment.
(2) Individuals apply for cooperative banks: 1. Apply for a bank loan. How to handle the military provident fund loan? Persons who have obtained the qualification of provident fund loans shall apply to the bank for provident fund loans with the approval letter and related materials within 3 months;
2. Bank approval materials. The bank examines the repayment ability and credit status of the applicant;
3. Sign a loan contract. After the approval of the bank, sign a loan and guarantee contract with the borrower;
4. Banks issue loans. Cooperative banks issue loans according to the contents of the contract;
5. repay the loan on schedule. The borrower repays the loan on schedule according to the agreement in this contract.