How to use housing provident fund loans in Luzhou, Sichuan

1. How to use housing provident fund loans in Luzhou, Sichuan?

1. Generally speaking, the loan amount of the provident fund = the monthly deposit amount of the provident fund ×30× the loan period. And it will not exceed 70% of the house price.

2. The process of applying for provident fund loans is:

1) The borrower applies to the housing fund management (sub-) center where the unit has paid the housing provident fund, introduces himself and gets the materials. 2) Prepare complete written materials and submit them to the housing fund management (sub-) center for review, including verifying the loan application form, whether the house purchase behavior is legal, verifying the loan amount and duration, and determining the loan guarantee method. Loans that need to be evaluated shall be evaluated by designated evaluation agencies. 3) After passing the preliminary examination, the housing fund management center will issue an investigation notice, and the entrusted bank will investigate the borrower and guide the borrower to fill in the relevant loan contract. The contents of the inspection include: verifying whether the person with guaranteed income and the guarantor are qualified to guarantee. 4) After passing the bank investigation, the entrusted bank will issue an investigation opinion and submit it to the housing fund management (sub-) center for approval. 5) After approval, the housing provident fund management (sub-) center will issue a notice of entrusted loan. The bank informs the borrower to go through the loan formalities. 6) After the loan contract comes into effect, the housing fund management (sub-) center will transfer the funds into the entrusted loan fund account, and then the entrusted bank will transfer the funds into the developer account. 7) The borrower shall repay the loan on time in the prescribed way. 8) The borrower pays off the principal and interest of the loan, the loan contract and related guarantees are dissolved, and relevant documents are returned to the borrower (mortgagor or pledger). Second, how to use the housing provident fund loan in Luzhou, Sichuan?

The housing accumulation fund system is actually a housing security system and a form of monetization of housing distribution. The housing accumulation fund system is an important social security system for housing stipulated by national laws, which is mandatory, mutually supportive and guaranteed. Units and individual employees must fulfill their obligations to pay housing provident fund according to law. The housing provident fund paid by individual employees and the housing provident fund paid by the unit shall be stored in special accounts and owned by individual employees.

How much can you borrow? You need to know more to make a judgment. You can check whether I can get a loan for reference first, and then ask if you have any questions. Hope to adopt

Three, how to use housing provident fund loans in Luzhou, Sichuan?

1. Generally speaking, the loan amount of provident fund = the provident fund will not exceed 70% of the house price. 2. The process of applying for provident fund loans is: 1) The borrower applies to the housing fund management (sub-) center where the unit has paid the housing provident fund, introduces himself and receives the materials.

2) Prepare complete written materials and submit them to the housing fund management (sub-center) for review, including whether the house purchase behavior is legal, verifying the loan amount and term, and determining the loan guarantee method. Needs assessment.

3) After passing the preliminary examination, the housing fund management center will issue an investigation notice and entrust the borrower to fill in the relevant loan contract. The contents of the investigation include: verifying whether the income guarantor and guarantor have insurance.

4) The entrusted bank fund management (sub-center) shall be examined and approved by the housing fund management (sub-center) after passing the bank investigation.

5 gold management (sub) center issued a notice of entrusted loans. The bank informs the borrower to go through the loan formalities.

6) The housing fund management (sub-) center will transfer the funds into the entrusted loan fund account, and then the entrusted bank will transfer the funds.

7) The borrower shall repay the loan on time in the prescribed way.

8) The borrower pays off the loan principal and interest, the loan contract and the borrower (mortgagor or pledger)

Four, Luzhou provident fund withdrawal regulations?

Luzhou Housing Provident Fund Management Center (hereinafter referred to as the "Provident Fund Center") issued the Notice on Entrusting the Monthly Withdrawal of Housing Provident Fund to Repay Housing Provident Fund Loans in this Municipality (hereinafter referred to as the "Notice"), and it is clear that starting from 202 1 12 1, the Provident Fund Center will entrust the monthly withdrawal of housing provident fund to repay the contracted annual withdrawal of housing provident fund loans in Luzhou City.