What is the process required for Chengdu provident fund loan?

1. What procedures are required for Chengdu provident fund loans

The borrower submits personal application materials to the trustee bank window in the loan service hall---→the trustee bank will accept and review---→center Carry out approval---→The guarantee company handles the guarantee procedures and issues the "Guarantee Commitment Letter"---→The borrower goes to the bank to sign a loan contract with the "Guarantee Commitment Letter"---→The borrower goes through the notarization procedures---→ The center approves the issuance---→The entrusted bank issues the loan.

2. How to apply for provident fund hedging in Chengdu online?

Chengdu provident fund hedging actually transfers the deposits from the personal provident fund account to the housing provident fund loan account and counts it into the loan principal, thereby reducing the individual's future repayment pressure. The following is the application process:

1. Log in to the Chengdu Housing Provident Fund Management Center website and enter the "Personal Center" page.

2. On the "Personal Center" page, select "Loan Application" and click "Provide Fund Portfolio Loan".

3. Fill in personal information and housing information as required, and upload relevant supporting documents.

4. Waiting for review. After passing the review, submit relevant materials and sign relevant agreements as required.

5. Complete the hedging. After a period of review and approval, the funds will be automatically transferred to your housing provident fund loan account.

It should be noted that the Chengdu Housing Provident Fund Management Center website provides online processing services, but the specific processing procedures may vary due to different circumstances. It is recommended that you carefully check the relevant regulations and consult the relevant staff for more detailed information before applying.

3. What procedures are required to purchase a second-hand house in Chengdu with a provident fund loan in Qamdo?

1. Borrowing applicants must establish a housing provident fund account for more than 12 months (inclusive), and make regular deposits in full at the same time Housing provident fund for more than 12 months (inclusive) (normal payment includes monthly continuous payment, prepayment, and back-payment of housing provident fund), and the deposit status is in place when applying for a loan

2. For those who have been approved by the center Agree, the employees of units in the deferred payment status can apply for the loan if they meet the conditions of establishing a housing provident fund account for more than 12 months (inclusive) and paying the fund for more than 12 months (inclusive).

3. Borrowing applicant Retired employees who contributed housing provident funds during their employment can be eligible.

4. The provident fund loan record of the borrower or the policy-based interest discount business record.

IV. What procedures are required to apply for a housing provident fund loan?

If you have a housing provident fund deposited, as long as you meet the conditions, you can apply for a provident fund loan from the bank when buying a house. Buy a house. In this case, the home buyer also needs to provide the provident fund loan housing purchase information to the bank for review. 1. To apply for a housing provident fund loan, you need to provide the following information: (1) Housing provident fund payment certificate of the applicant and his or her spouse; (2) Identity certificate of the applicant and his or her spouse (referring to resident ID card, permanent residence booklet and other valid residence documents), marriage Documents proving status; (3) Proof of stable family income, and other proofs of claims and debts that may have an impact on repayment ability; (4) Valid supporting documents such as contracts and agreements for purchasing self-occupied housing; (5) Mortgages used as guarantees Property, list of pledged items, certificate of ownership, proof of the consent of the person with the right to dispose of the property, and proof of mortgage valuation issued by the relevant department; (6) Other information required by the Chengdu Housing Provident Fund Management Center. 2. Specific approval process: 1. The borrower voluntarily selects a lending bank in the "one-stop" lobby and submits a loan application. 2. After the loan application passes the preliminary review by the bank and the center’s approval, the borrower goes to the guarantee company to handle the guarantee procedures. 3. The borrower returns to the selected lending bank and signs a loan contract. 4. The borrower goes to the notary office to complete the notarization procedures. 5. The borrower leaves the lobby and waits for notification from the bank to receive the loan contract and loan voucher and start repayment as agreed in the contract. Legal basis: Article 26 of the "Housing Provident Fund Management Regulations" stipulates that employees who have paid housing provident funds may apply for housing provident fund loans from the Housing Provident Fund Management Center when purchasing, constructing, renovating, or overhauling their own homes.

The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures. The risks of housing provident fund loans are borne by the housing provident fund management center. Article 27 Applicants applying for housing provident fund loans shall provide guarantees.