Yes, the details about provident fund loans are as follows,
1. Materials required for housing provident fund loans:
Household registration book of the borrower and his spouse;
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Residence ID cards of the borrower and his spouse;
Proof of the borrower’s marital status;
Proof of down payment for house purchase;
Printed by the bank Credit status report of the borrower and his or her spouse;
House sales contract or agreement that complies with legal requirements.
2. Conditions for handling housing provident fund;
The individual and the employer must pay the housing provident fund continuously for one year;
The borrower has stable economic income and credit Good quality and ability to repay the principal and interest of the loan;
If the borrower purchases a commercial house, he must have no less than 30% of the total house price.
3. Housing provident fund application process:
The lender prepares relevant information, fills out the loan application at the bank, and submits the materials;
After the lending bank receives the application Confirm and review the information;
After review, the lending bank will contact the lender and sign the relevant contract;
The bank will grant the loan and the lender will fulfill its repayment obligations.
4. How to query housing provident fund loans:
After opening online banking for most banks’ monthly payment cards, you can check the mortgage repayment record and loan balance on online banking;< /p>
Check through the 955 service hotline of telephone banking and the bank’s manual customer service;
Go to the institution where you check your personal credit report and print out a personal credit report. The mortgage report will also show the mortgage loan. balance.
With your ID card, go to the personal loan center where the bank issues loans and ask the account manager to inquire;
If you clearly know the time for the interest rate adjustment, you also know that you will execute it in the current period. You can also use a professional loan calculator to calculate your monthly payment.