Buying a house by loan is the most common trend at present. Loans to buy a house can be divided into three ways: provident fund loans, commercial loans and mixed loans. Among them, the provident fund loan is more favorable, not only the loan interest rate is lower, but also the monthly payment can be repaid with the paid provident fund. Handling provident fund loans needs to be handled at the local housing provident fund management center, so when will the housing provident fund go to work? Let's take a look with Bian Xiao.
1. When does the housing provident fund start to work?
Under normal circumstances, the service hall of provident fund management center starts to work at 9: 00 am, and its normal working hours are 09: 00 am-12: 00 am and afternoon 13: 00- 17: 00 am on statutory working days, and it is closed on statutory holidays and weekends. If you want to handle housing provident fund-related business, you must go to the local housing provident fund management center within this time.
Second, the process of applying for housing provident fund loans
1, loan application
The borrower needs to submit a written application for housing provident fund loan to the local housing provident fund management center and bank, and then fill in the relevant application form for housing provident fund loan, and also need to submit relevant materials to the bank and loan center.
2. Application acceptance
The guarantee company will conduct a preliminary review of the materials provided by the applicant and notify those who meet the conditions of the secured loan, and only need to pay the relevant fees and sign the secured loan contract.
3. Apply for mortgage registration
At this time, applicants can conduct real estate transactions, and then submit the purchase contract, real estate license and other materials obtained after the transaction to the relevant departments for mortgage registration, and open repayment accounts and provide loan accounts, as long as they get the real estate license.
Editor's summary: The above is an introduction about the difference between uncompleted residential flats and faster houses. I hope what Bian Xiao shared can give you some reference. If you want to know more about it, you can pay attention to our Qijia. Com information.
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