How to Apply for Ningbo Provident Fund Loan Correctly

Ningbo provident fund loan is a kind of housing loan launched by Ningbo Housing Provident Fund Management Center, which mainly provides loan support for housing provident fund depositors in Ningbo. Ningbo provident fund loan application process is as follows:

1. 1 for loan qualification review.

Ningbo provident fund loan applicants first need to apply for loan qualification review, which includes: lender identity information, housing provident fund deposit record, loan purpose, loan amount, etc. After the approval, Ningbo Housing Provident Fund Management Center will issue the loan qualification certificate to the approved lender for the lender to use when purchasing a house.

1.2 Apply for a loan

After the loan qualification is approved, the lender can apply for a loan in Ningbo Housing Provident Fund Management Center, and relevant materials such as loan qualification certificate, purchase contract and purchase invoice need to be provided when applying.

1.3 loan approval

Ningbo Housing Provident Fund Management Center examines and approves the loan application, including the identity information of the lender, the record of housing provident fund deposit, the purpose of the loan, the loan amount, etc. After approval, Ningbo Housing Provident Fund Management Center will give the lender a loan approval letter for the lender to use when buying a house.

1.4 signing a loan contract

After the loan is approved, the lender needs to sign a loan contract in Ningbo Housing Provident Fund Management Center, which includes the lender's identity information, loan amount, loan term, loan interest rate, etc.

1.5 Lending

After the loan contract is signed, Ningbo Housing Provident Fund Management Center will distribute the loan money to the bank account designated by the lender, and the lender can repay the loan on schedule according to the loan contract.

Two, Ningbo provident fund loan application matters needing attention

Ningbo provident fund loan application needs to pay attention to the following points:

2. 1 lender identity information

Lenders need to provide valid identity information, including ID card, household registration book, social security card, etc. , so that Ningbo Housing Provident Fund Management Center can conduct loan qualification examination.

2.2 Housing provident fund deposit record

Lenders need to provide effective housing provident fund deposit records so that Ningbo Housing Provident Fund Management Center can conduct loan qualification review.

2.3 loan purpose

The loan must be used for the purchase of housing and shall not be used for other purposes, otherwise the Ningbo Housing Provident Fund Management Center will not approve the loan application.

2.4 loan amount

The loan amount shall not exceed 50% of the total amount of the lender's housing provident fund deposit, otherwise Ningbo Housing Provident Fund Management Center will not approve the loan application.

2.5 loan term

The longest loan period shall not exceed 30 years, otherwise Ningbo Housing Provident Fund Management Center will not approve the loan application.

Third, Ningbo provident fund loan application advantages

Ningbo provident fund loan application has the following advantages:

3. 1 low interest rate

Ningbo provident fund loan interest rate is low, which is lower than that of commercial banks. Lenders can save the cost of loans.

3.2 Convenience

Ningbo provident fund loan application process is simple, loan approval speed is fast, and lenders can save application time.

3.3 security

Ningbo provident fund loan is issued by Ningbo Housing Provident Fund Management Center, and the lender can apply with confidence.

Four, Ningbo provident fund loan application frequently asked questions

Frequently asked questions about Ningbo provident fund loan application are as follows:

4. 1 lender identity information

Lenders need to provide valid identity information, including ID card, household registration book, social security card, etc. , so that Ningbo Housing Provident Fund Management Center can conduct loan qualification examination.

4.2 Housing provident fund deposit record

Lenders need to provide effective housing provident fund deposit records so that Ningbo Housing Provident Fund Management Center can conduct loan qualification review.

4.3 Purpose of the loan

The loan must be used for the purchase of housing and shall not be used for other purposes, otherwise the Ningbo Housing Provident Fund Management Center will not approve the loan application.

4.4 Loan amount

The loan amount shall not exceed 50% of the total amount of the lender's housing provident fund deposit, otherwise Ningbo Housing Provident Fund Management Center will not approve the loan application.

4.5 loan term

The longest loan period shall not exceed 30 years, otherwise Ningbo Housing Provident Fund Management Center will not approve the loan application.

Verb (abbreviation of verb) abstract

Ningbo provident fund loan is a kind of housing loan launched by Ningbo Housing Provident Fund Management Center, which mainly provides loan support for housing provident fund depositors in Ningbo. Ningbo provident fund loan application process is simple, the loan interest rate is low, the loan approval speed is fast, the lender can save the application time and loan cost, and it is an ideal choice for buying a house. However, when applying for Ningbo provident fund loan, the lender needs to pay attention to the identity information of the lender, the record of housing provident fund deposit, the purpose of the loan, the loan amount and the loan term. In order to pass the exam smoothly.