When buying a house, friends who meet the conditions for applying for housing provident fund loans can apply for provident fund loans to buy a house. Then, what materials and processes are needed for the new housing provident fund loan?

Materials needed to buy a house and withdraw the provident fund:

1. If the housing provident fund is withdrawn to repay the housing loan, it shall provide: the Application Form for Employees to Withdraw Individual Housing Provident Fund from Housing Purchase, which is filled in and sealed by the unit; Original of my housing loan contract; Loan repayment passbook or loan repayment savings card (repayment records in recent months must be printed or provided on the passbook); When the spouse withdraws, the original marriage certificate or household registration book should also be provided.

2. If housing provident fund is withdrawn for house purchase payment, provide: Application Form for Withdrawing Individual Housing Provident Fund for Employees in Chengdu City, which is filled in and sealed by the employer; The original registered house purchase contract signed by me and the developer; The account number and receiving bank of the real estate developer; The spouse should also provide the original marriage certificate or household registration book when extracting.

3. In addition to the above information, the employee's spouse should also provide the original and photocopy of the husband-wife relationship certificate and the photocopy of the withdrawal record of the main purchaser.

The process of buying a house with provident fund:

1. Submission materials: When the borrower applies for a provident fund loan in the management department of the provident fund management center where the provident fund is deposited, if he chooses the guarantee center to provide guarantee, he shall submit all the materials required for the individual to apply for a loan, including the personal and spouse's ID card, household registration book, marriage certificate, divorce certificate, proof of down payment for house purchase, house purchase contract, proof of housing provident fund deposit, etc.

2. Review notice: After the loan application is approved in the first instance, the management department will issue a review notice of the guarantee application, print the loan contract, mortgage (counter-guarantee) contract and other relevant legal documents, and submit all personal loan information to the guarantee center.

3. Approval: the guarantee center will review the guarantee application, and if the borrower meets the guarantee conditions, the guarantee center will issue a letter of approval for the guarantee application; If the borrower entrusts an intermediary agency to handle the provident fund loan, the intermediary agency shall handle the guarantee application procedures and collect the guarantee service fee. (Note: The agency must have the qualification certification of Beijing Housing Provident Fund Management Center and sign a cooperation agreement with the guarantee center. )

4. Payment method: The borrower shall pay the guarantee service fee according to the approved guarantee application opinions. The guarantee center shall issue an invoice for the guarantee service fee, and affix the official seal of the guarantee center on the approved loan contract, mortgage (counter-guarantee) contract, custody contract and other legal documents.

5. Transfer of materials: the audited personal loan application materials (including the sealed contract) are transferred from the guarantee center to the housing provident fund management department; If an intermediary agency is entrusted, the intermediary agency shall be responsible for the transmission of the above information.

6. Signing: The Housing Provident Fund Management Department supervises and guides loan applicants to sign loan contracts, mortgage (counter-guarantee) contracts and other relevant legal documents.

Buying a house by group purchase is more favorable.

on sale

Reference price: the price is to be determined.

Property address: 1. Shuttle to 1 free.

Property Tel: 400-8 19-6590 to 0627.

What is the process of Shanghai provident fund loan? Can every bank do it?

First, the handling process:

Borrower's appointment (pre-filling)-acceptance by outlets (examination and approval, real estate inquiry under name, credit inquiry)-transfer notice-mortgage registration formalities-obtaining mortgage certificate and notifying the lender-bank lending.

Second, the handling place:

1. To apply for a personal housing loan with pure provident fund, the borrower can apply at the business outlets of Shanghai Housing Property Guarantee Co., Ltd.;

2. To apply for a portfolio loan, the borrower may apply at each business outlet of the bank entrusted with the housing provident fund personal housing loan business.

Extended data

Application conditions:

1, in line with the conditions stipulated by the state and the city's real estate regulation and control policies;

2. Have full capacity for civil conduct;

3, has paid not less than the prescribed proportion of down payment funds;

4. At present, the housing provident fund has been paid in full and continuously for a specified period (6 months), and there is no agreement to withdraw the housing provident fund (including but not limited to the agreement to withdraw the housing provident fund to repay the loan, the agreement to withdraw the housing provident fund to pay the rent and other agreements to withdraw the housing consumption);

5. Have a good credit record and willingness to repay;

6. It has a stable and legal source of economic income and the ability to repay the principal and interest of the loan, and the borrower's family has no outstanding housing provident fund debts or other debts that may affect the repayment of provident fund loans;

7. Must be the owner of the house purchased, built, renovated or overhauled in this city, and can provide relevant contracts or supporting documents, identity certificates, down payment certificates and other materials that meet the requirements; The purpose of the loan is to purchase houses, and the houses purchased must be owner-occupied houses with ownership in this city;

8. Being able to provide the guarantee method recognized by the Municipal Provident Fund Center;

9. Meet other conditions stipulated by the Municipal Provident Fund Management Committee;

10, * * * agreed with the borrower:

(1) The borrower who purchases owner-occupied housing in this city must be the borrower's spouse, parents and children and have two provident fund loan records, and shall not be regarded as the borrower;

(2) The borrower who buys a house with property rights protection shall be the spouse, parents, children and loan owner.