News from Beijing News (Reporter Wu Jiaoying) In the future, the Beijing Provident Fund loan procedures will be further simplified. Beijing Housing Provident Fund Management Center today (April 9) publicly solicited opinions on the introduction of a new version of contract documents and new regulations for further streamlining loan service materials. The solicitation draft proposes that the second-hand housing loan business only needs to verify the original purchase contract signed by the Internet and retain the electronic image file, and no longer receive a copy of the purchase contract.
The consultation draft proposes that when accepting the second-hand housing loan business, the loan handling department only needs to verify the original copy of the home purchase contract signed by the loan applicant and keep the electronic image file, and no longer collects a copy of the house purchase contract from the loan applicant.
At the same time, when handling the loan application business and loan change business, the loan handling department shall sign and confirm according to the loan application materials and the information provided by the applicant. Applicants do not need to submit the corresponding paper "Loan Application Form", "Housing Provident Fund Loan Borrower Change Application Form", "Housing Provident Fund Loan Mortgage / Home Purchaser Change Application Form", "Housing Provident Fund Loan Mortgage Change Application Form ( Change of housing location) "and" Application Form for Changing the Loan Term of the Borrower of Housing Provident Fund Loan (Extending the Loan Term) ".
In addition, the solicitation draft draft stipulates that after the loan is completed, the trustee bank should inform the borrower within 5 working days of the loan issuance date, first repayment date and before repayment, the repayment account should be filled with full funds and other repayment Matters needing attention, to ensure that the borrower knows the repayment date and the minimum repayment amount, and informs the borrower to receive the loan contract and other materials.
In the past, the provident fund loan contract required the borrower to collect it on site. The draft solicitation opinion stipulates that if mail delivery is selected in the loan contract, the entrusted bank shall deliver the loan contract by mail through the EMS courier method at the address provided by the borrower.