When can I get the provident fund loan contract? Where can I get the provident fund loan contract?

When can I get the provident fund loan contract?

You can get the provident fund loan contract after handling the loan. When a lender applies for a housing provident fund loan, it needs to submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information: the applicant's and spouse's housing provident fund deposit certificate; Proof of identity of the applicant and spouse (referring to valid residence documents such as resident identity card and permanent residence booklet) and proof of marital status, etc. Legal basis: Article 25 of the Regulations on the Management of Housing Provident Fund, if an employee withdraws the balance stored in the housing provident fund account, the unit where he works shall verify it and issue a certificate of withdrawal. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

How long can I get the housing provident fund loan contract after lending?

Provident fund loans take about 14 working days. The loan approval time was reduced from 65,438+05 working days to 65,438+00 working days. After approval, the lender needs to sign a loan contract. After signing the contract, it takes 4 working days to lend money, and about 14 working days after lending the loan contract. Everyone's loan time varies from person to person, and the specific time should also refer to the actual loan time. Article 68, paragraph 509 of the General Principles of Civil Law, the parties shall fully perform their obligations in accordance with the agreement. The parties shall abide by the principle of good faith and fulfill the obligations of notification, assistance and confidentiality according to the nature, purpose and trading habits of the contract. During the performance of the contract, the parties shall avoid wasting resources, polluting the environment and destroying the ecology.

When will the provident fund loan contract be taken?

You can get the provident fund loan contract after handling the loan. When a lender applies for a housing provident fund loan, it needs to submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information: the applicant's and spouse's housing provident fund deposit certificate; Proof of identity of the applicant and spouse (referring to valid residence documents such as resident identity card and permanent residence booklet) and proof of marital status, etc. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from 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.

Where can I get the provident fund loan contract?

The provident fund loan contract should be taken from the provident fund center. After the customer receives the loan short message from the provident fund center, the provident fund center will inform the customer to get the loan contract. Customers need to retrieve the contract in time and keep it properly. In some cases, the loan contract is the lender's guarantee.

Under normal circumstances, there will be no loan dispute between the customer and the provident fund center, but if there are some objections, the loan contract is the basis and can give legal support to the customer, so the loan contract is also very important.

If the loan contract is accidentally lost, the customer can print a copy in the provident fund center or apply for a shift in the mortgage institution. Although there are remedies, it will take some time and energy for customers, and the loan contract should be properly kept.

After customers apply for provident fund loans, they must act in accordance with the requirements of the provident fund center when repaying. Once overdue, they need to bear the corresponding overdue responsibility. If there are too many overdue times, the provident fund center has the right to terminate the loan contract in advance.

Do I have to go to the bank to sign a contract for provident fund loans?

Provident fund loans need to be signed at the bank, and the application for provident fund loans is handled at the provident fund center, and the bank is entrusted to handle the loan procedures and sign the loan contract. The entrusted bank will sign a loan contract with the borrower within three working days after submitting the loan object, amount, term and interest rate determined by the application in the provident fund center.

How long has the provident fund loan contract been signed?

After signing the provident fund loan contract, the loan can be released in about 1 month. Lending time is usually different according to different lending methods. If it is fast, it will take about 7 to 10 days to lend money. Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to the regulations, all employees who pay housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.

According to the Regulations on the Management of Housing Provident Fund, employees who pay housing provident fund can apply for housing provident fund loans from the housing provident fund management center. 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.

Where can I get the housing provident fund loan contract?

The first set of housing provident fund loan contract needs to bring my own certificate. Household registration book, marriage certificate, income certificate, and the bank will go to the bank to handle the house purchase contract.

The housing provident fund loan processing process is as follows:

1. The borrower consults in the housing provident fund center and gets the application form. The buyers and sellers of houses and their spouses (who are unmarried or divorced, they shall issue certificates) shall pre-register with the original of the Housing Ownership Certificate, the State-owned Land Use Certificate and the original of the household registration book, ID card and marriage certificate at the City Housing Provident Fund Center, and receive an application form for provident fund loans.

2. The borrower submits the loan information to the municipal capital center;

3. Acceptance and approval of the housing provident fund center: the municipal housing provident fund center accepts the information of loan applicants and determines the loan amount and duration through approval;

4. Transaction transfer: both the buyer and the seller of the house go to the real estate bureau and the land bureau to handle the transfer procedures of the "two certificates" transaction;

5. Signing a contract: The borrower takes the transferred "two certificates" and deed tax payment invoice (original and photocopy) to the Municipal Housing Provident Fund Center, which issues a loan commitment letter to the designated bank to sign loan documents such as loan contract and mortgage contract, and the seller opens a special deposit account in the loan bank;

6. Mortgage: The borrower goes to the real estate bureau to register the mortgaged house and obtain the real estate license;

7. Lending: After all the loan procedures are completed, the municipal housing provident fund center will directly transfer the loan funds to the deposit account opened by the seller through the bank.

Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.

From July 1 2065438, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform in accordance with the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development.

On 202 1 July1day, the Ministry of Housing and Urban-Rural Development of the People's Republic of China confirmed the national housing provident fund service logo and decided to start it from now on.

Where can I get the provident fund loan contract?

The provident fund loan contract can be collected at the local provident fund management center, and the provident fund lender can directly apply to the housing provident fund management department for approval. The borrower approved by the housing provident fund management department shall sign a loan contract and a guarantee contract with the loan bank, handle mortgage registration, insurance, notarization and other related procedures, and then take the relevant contract materials to the provident fund guarantee center to receive the provident fund loan contract.

Expand data

1. Provident fund loans refer to loans enjoyed by employees who have paid housing provident fund. According to the national regulations, all employees who have paid the provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans. 20 12 Some cities relaxed the conditions of provident fund loans, and the maximum amount of housing provident fund loans in 9 counties of Linyi City, Shandong Province increased from 200,000 yuan to 300,000 yuan from June 20 12 to June 1 year. 20 14,10 June, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued a document, including relaxing the conditions of provident fund loans, promoting loans from different places, reducing intermediate costs, and canceling the housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory system guarantee. , reduce the burden on loan workers. Among them, employees who have paid for six months can apply for provident fund loans (currently 12 months). On August 17 and 15, the Ministry of Housing and Urban-Rural Development jointly issued a notice saying that starting from September 15 and 1 day, the provident fund loan will be cancelled to purchase a second house, and the down payment will be 20%.

2. Provident fund loans refer to individual housing provident fund loans, which are mortgage loans issued by local housing provident fund management centers to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who have paid housing provident fund during their employment. According to the regulations, employees who have paid the housing provident fund for a certain number of years or more (different years in different cities, such as Changsha1February or above) can apply for provident fund loans when the funds are insufficient to purchase and build houses, renovate or overhaul their own houses.