Social Security Provident Fund Loan

In the process of provident fund loan procedures, the need for the employee himself to the lending institution to understand the relevant matters, and then to the provident fund management center to obtain the relevant materials,理business can be, the process of application is to be handled by the employee himself. On the question of social security provident fund loan process, the following net editorial to answer for you in detail. First, social security provident fund loan how to loan 1. to the lending institutions, consulting social security loan matters; 2. according to the requirements of the lending institutions, to prepare social security loan application materials, usually proof of identity, proof of residence, proof of work, proof of income and proof of social security; 3. fill out the loan application form, submit the application materials, social security loan written application; 4. lending institutions in accordance with the relevant provisions of the strict examination Lending institutions and borrowers sign a loan contract; 6. Lending institutions to issue loans; 7. Borrowers to return the loan in accordance with the contract. Second, the social security provident fund loan conditions 1, age: need to be 25 years of age of natural persons, with full capacity for civil behavior. 2, credit: have a good credit record, personal credit report on the no overdue records. 3, work: the borrower must have a stable job must also have a fixed source of income, with the corresponding repayment ability. 4, social security: meet the lending institutions of social security contributions to the requirements of the relevant requirements, generally is the base and time of payment requirements. 5, other requirements: to meet the other conditions required by the lending institutions. Third, the social security provident fund loan legal provisions of the "Housing Provident Fund Management Regulations" (March 24, 2019 "the State Council's decision on amending some administrative regulations" amended) Article 11 of the Housing Provident Fund Management Center to perform the following duties: (a) preparation and implementation of the housing provident fund collection, use of the plan; (b) is responsible for the recording of the employee's housing provident fund deposit, withdrawal, use and other circumstances; (c) is responsible for the Accounting for housing fund; (4) approval of housing fund withdrawals, use; (5) responsible for the preservation and return of housing fund; (6) preparation of reports on the implementation of the plan for the collection and use of housing fund; (7) to undertake other matters decided by the Housing Fund Management Committee. Article 26 The employees who have contributed to the housing provident fund may apply for housing provident fund loans from the housing provident fund management center when they purchase, construct, renovate or overhaul their self-occupied housing. The Housing Provident Fund Management Center shall, within 15 days from the date of accepting the application, make a decision on granting or disallowing the loan and notify the applicant; if the loan is granted, the commissioned bank shall handle the loan formalities. The risk of housing provident fund loans is borne by the housing provident fund management center. The above is a small compilation of relevant content, employees if you want to use the provident fund to buy real estate, you need to submit an application to the bank's provident fund management window, the staff will accept the business after the review of the material whether it is in line with the provisions, and then fill out the declaration form in accordance with the process to give the results. If you have other needs welcome to the network to do one-on-one legal advice.

The Housing Provident Fund Management Regulations, Article 2 of this regulation applies to the People's Republic of China *** and the territory of the housing provident fund deposit, withdrawal, use, management and supervision. The housing fund referred to in these regulations refers to the long-term housing reserve deposited by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations (hereinafter collectively referred to as the units) and their active employees.