Housing provident fund enters the stage of loan review.

First, the housing provident fund has entered the stage of loan review.

Legal analysis: 1, preliminary examination:

The housing provident fund management center conducts a preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount, loan period, etc. After passing the preliminary examination, the center will issue the Notice of Collateral Review and Evaluation.

2. Assessment:

The applicant holds the Notice of Collateral Examination and Evaluation to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated.

3. Review:

The applicant holds the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center to the center for loan review. Meet the conditions, the center issued the "housing provident fund management center entrusted loan investigation notice".

4. Guarantee procedures:

The applicant holds the "Notice of Investigation on Entrusted Loan Guaranteed by Housing Provident Fund Management Center" and goes through the guarantee formalities according to the guarantee method he chooses. If mortgage guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution.

5. Sign a loan contract.

6, housing fund management center and the entrusted bank signed a loan agreement.

7. The borrower directly submits a loan application to the housing provident fund management center, and the entrusted industry can summarize the borrower's application materials as needed and submit them to the housing provident fund management center for approval.

8 housing fund management center approved the amount, duration and interest rate of each loan, and signed an entrusted loan contract with the entrusted bank.

9. According to the entrusted loan contract, the entrusted bank shall go through the loan procedures after signing the Mortgage Contract for Housing Provident Fund Entrusted Loan, the Pledge Contract for Housing Provident Fund Entrusted Loan and the Guarantee Contract for Housing Provident Fund Entrusted Loan with the borrower respectively.

10. The entrusted bank directly transfers the loan to the designated account opened by the seller in the entrusted bank.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

2. How long does it take from the approval of provident fund loans to the release of loans?

It usually takes 1-3 months to apply for housing provident fund loans. Housing provident fund loan process: 1, and employees provide handling materials; 2. Management review and approval; 3, the management of the "housing provident fund entrusted loan notice"; 4. The loan contract signed by the lender and the entrusted bank; 5. The entrusted bank issues loans.

Three, housing provident fund into the audit lending.

law

Audited by the housing fund management department, including the applicant's qualification, loan amount, loan period, etc., after passing the preliminary examination, it will be issued by notice. "

2. Assessment:

The applicant goes to the appraisal institution designated by the center with the Notice of Collateral Appraisal, and the purchased house does not need to be appraised.

3. Review:

The applicant submits the evaluation report issued by the evaluation agency to the loan review center. Meet the conditions, the center issued the "housing provident fund management center entrusted loan investigation notice".

4. Guarantee procedures:

The applicant shall handle the guarantee formalities by the guarantee method selected by the housing provident fund management center. If mortgage guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution.

5. Sign a loan contract.

6, housing fund management center and the entrusted bank signed a loan agreement.

7. The borrower directly requests the housing fund management, and the entrusted industry can summarize the borrower's application materials as needed and submit them to the housing fund management center for examination and approval.

8 housing fund management center approved the amount, duration and interest rate of each loan, and signed a commission with the entrusted bank.

9. The entrusted bank shall go through the loan formalities after signing the Mortgage Contract of Housing Provident Fund Entrusted Loan, Pledge Contract of Housing Provident Fund Entrusted Loan and Guarantee Contract of Housing Provident Fund Entrusted Loan.

10. The entrusted bank directly transfers the loan to the designated account opened by the seller in the entrusted bank.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) Leave

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; The storage balance in the employee housing provident fund account is included in the value-added income of the housing provident fund.

4. Independent examination and approval of provident fund is the next step?

Yes, the provident fund will be paid to the user's account within one week after it is approved. The housing provident fund management center shall make a decision on whether to grant the loan within 15 days from the date of accepting the application. After approval, the applicant needs to go through the loan formalities at the entrusted bank. Generally speaking, it takes 18 to 19 working days from when you apply for a housing provident fund loan to when the loan is transferred to the loan bank.