Yulin City Commercial Transfer Fund Loan Conditions 2023

If you are going to apply for a housing provident fund loan, it is best to consult the local housing provident fund management center in advance, prepare relevant loan materials, and see if you meet the loan conditions. What is Yulin's guide to applying for provident fund loans? Net Bian Xiao compiled the following contents for your reference. 1. The conditions for Yulin to apply for provident fund loans are 1. Having full capacity for civil conduct; 2. No housing provident fund loan debt; 3. Have permanent residence in cities and towns or other valid residence status; 4 normal, full and continuous deposit of housing provident fund for more than 6 months (inclusive); 5 have a stable income, good credit, and the ability to repay the principal and interest of the loan. 2. Materials of Yulin's application for provident fund loan 1, personal housing loan recipient's bank account opening certificate 2, income certificate 3, household registration certificate 4, commercial housing sales contract or immovable property right certificate 5, down payment invoice 6, repayment bank card 7, personal credit customer authorization letter 8, marital status certificate 9, ID card 10, personal housing provident fund loan pre-loan questionnaire 3, Yulin's application for provident fund loan process 65438. The applicant applies to the housing provident fund loan bank window and submits the application materials. 2. register. The handling personnel of the housing provident fund loan undertaking bank shall verify the application materials within 5 working days. Those who meet the application qualifications shall register the materials that are complete and conform to the prescribed format. If the materials are incomplete, the applicant shall be informed to make corrections at one time; if the materials do not meet the acceptance conditions, the application materials shall be returned and the reasons shall be given. 3. accept. The background staff center of the housing provident fund and the examination and approval link shall review the application materials submitted by the undertaking bank within 5 working days, and the materials are complete and in line with the prescribed examination and approval format. Do not meet the acceptance conditions, the information will be returned to the undertaking bank, and inform the reasons for not accepting. 4. recognition. The backstage staff of the housing provident fund and the acceptance link shall be examined and approved within 5 working days. If the examination and approval is passed, the "Housing Provident Fund Mortgage Loan Qualification Examination Form" shall be issued; If it fails, it shall be returned and the reasons for disapproval shall be informed. 5. Get the results. Served on the applicant through the undertaking bank. 4. Legal basis for Yulin to apply for provident fund loans Article 26 Employees who pay 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. If Yulin is married when applying for provident fund loan, relevant identification materials of one spouse are also required. If not, you need to provide a personal unmarried certificate. When applying for housing provident fund management center, in order to prove personal credit, it is necessary to submit personal credit authorization. If you have any other questions, please visit the website for one-on-one legal consultation.