1. To apply for a housing provident fund loan, the borrower shall submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide relevant information, including but not limited to the applicant's and spouse's housing provident fund deposit certificate, house purchase contract and agreement and other valid documents;
2. The bank accepts the audit in time and submits it to the provident fund center;
3, provident fund center is responsible for the examination and approval of loans, and notify the bank of the results after examination and approval;
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.
Handling methods of five insurances and one gold:
1, social security, provident fund account opening
Enterprises need to open accounts for social security and provident fund at the Social Security Bureau and the Provident Fund Center within 30 days from the date of establishment. After opening a social security account, obtain a social security registration certificate, and after opening a provident fund account, obtain a unit provident fund registration number;
2. Increase or decrease personnel
Every month, the company will add new employees to the company's five insurance and one gold account and delete employees who have left the company from the account. Social security and provident fund accounts are two independent accounts, and the operation of increasing or decreasing employees must be carried out in two accounts;
3. Confirm the payment base
The unit needs to declare the correct payment base of five insurances and one gold for employees every month to ensure the normal payment of five insurances and one gold. The payment base of five insurances and one gold is based on the average salary of employees in the previous year or the salary in the first month of employment;
4. Five insurances and one gold
Enterprises, banks, social security/provident fund management institutions sign bank payment agreements, and directly deduct five insurances and one gold fee from the enterprise bank account at a fixed time every month. Of course, enterprises can also choose cash or check to pay at the site of the five insurance and one gold management institution.
To sum up, there are five insurances and one fund for loans, and the loans need to be carried out in accordance with the prescribed procedures.
Legal basis:
Article 12 of the Regulations on the Management of Housing Provident Fund
The 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.