Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment.
Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. The housing provident fund paid by employees and the housing provident fund paid for employees by the unit where employees work are personal savings stored by employees in accordance with the regulations for housing consumption expenditures, which belong to individual employees. When an employee retires, the balance of principal and interest is paid in one lump sum and returned to the employee himself.
The types of housing provident fund loans are: new housing loans, second-hand housing loans, self-built housing loans, housing decoration loans, commercial housing loans to provident fund loans and so on.
Go through the loan formalities
1. Application: The borrower applies for a loan from the provident fund center with relevant loan information;
2. Business acceptance: after accepting the borrower's application, the center will interview the applicant and review the loan information, and reply the review results to the applicant in due course;
3. Signing a contract: the borrower and the owner of the house sign a loan contract in the entrusted bank (a guarantee contract must be signed with the seller for the auction house);
4. Warrant mortgage: The borrower or the entrusted bank shall go through the mortgage registration formalities at the service window of the housing management and land management department with relevant materials;
5. Transfer: The borrower transfers the loan to the entrusted bank.
Information to be provided
1, 3 copies of the borrower's ID card and 2 copies of the borrower's spouse's ID card; If there is a * * * owner, at the same time provide 3 copies of the * * * owner's ID card.
2. Two copies of the household registration book of the borrower, spouse and * * * owner (if any).
3. Two original income certificates of the borrower and spouse (sealed by the competent department of wages).
4. Two copies of the borrower's marriage certificate.
5. The borrower shall provide the 8-digit provident fund account number of the depositor in the downtown area, such as/10 xxxxxxxx, and other provident fund households shall issue the deposit details for the first 6 months of the month of application (printed at the deposit place).
6. Three originals of the commercial housing sales contract; Two copies of contract information filing summary.
7. Two deposit invoices.
8. Two copies of the house advance notice registration certificate (except for the purchase of real estate in high-tech zones and economic and technological development zones).
9. 1 state-owned land use certificate (all copies).
10, 1 Copy of pre-sale permit for commercial housing (with attached drawings).
1 1. The bank account number used by the borrower for repayment.
The above is the relevant process and required materials for housing provident fund loans. I hope the above content can help buyers.
(The above answers were published on 2015-12-14. Please refer to the actual situation for the current purchase policy. )
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