There is not much difference between an auction loan and an existing home loan. Auction requires a pre-sale permit, which means that the sales behavior of developers is legal and effective.

step

1。 Sign the purchase contract, choose the loan as the payment method and pay the down payment.

2。 The purchase contract is registered online in the Ministry of Housing and Urban-Rural Development (handled by the developer).

3。 If it is handled at the same time as the spouse, bring the purchase contract, ID card, personal seal, down payment receipt and marriage certificate.

4。 Go to the bank loan office.

5。 It is best to withdraw the provident fund by entrustment, so that it can be automatically transferred from the provident fund account to the repayment account every month.

Matters needing attention

1。 Provident fund loans need to be paid continuously for a certain period of time. At present, it is six months in most areas, and the longest requirement is 24 months.

2。 The amount of provident fund loan is related to the individual's monthly deposit, deposit ratio and local maximum loan limit.

Second, what is the process of buying an auction house from the provident fund?

First, the required materials:

1, ID cards and household registration books of the applicant and the property owner;

2. Commercial housing sales contract;

3. The paid self-raised down payment voucher is generally the down payment invoice;

4. Proof of income of the applicant and spouse;

5. Proof of marital status of the applicant and spouse (including single certificate);

6. Other required materials.

A copy of the above information is required, and the original should be brought with you when applying for and signing the contract for inspection.

Second, the provident fund loan steps

1. Calculate the loan amount and term.

Employees who apply for provident fund loans can consult and handle matters through developers, loan undertaking banks or housing provident fund centers.

Step 2 apply for a loan

When purchasing a house, employees must apply for a loan from the provident fund loan undertaking bank, provide a copy of the above-mentioned required materials and bring the original for inspection.

Step 3 sign a contract

After the loan application is approved, sign the loan contract at the provident fund service hall as required.

4. Go through the formalities of house purchase transaction and mortgage registration.

5. Bank loans

After completing the mortgage formalities, the loan undertaking bank will lend money to the applicant according to the loan contract, and the funds will be directly transferred to the account designated by the developer.

3. What is the loan process of Changsha forward housing provident fund?

Changsha forward housing provident fund loan process is:

1, apply. The borrower shall submit a written application for housing provident fund loan to the housing provident fund management center, and truthfully fill out the Application Form for Housing Provident Fund Loan and related materials.

2. First instance. Housing provident fund management conducts a preliminary examination of the applicant's materials, including the applicant's qualifications, loan amount, term, etc. After the preliminary review is passed, the management will issue a notice of collateral review and evaluation.

3. Appraisal: After receiving the Notice of Collateral Examination and Appraisal, the applicant will take the notice to the designated appraisal institution to appraise the value of the purchased house. If it is affordable housing, there is no need to evaluate it.

4. Go through the guarantee procedures. The applicant holds the Notice of Investigation on Entrusted Loan Guarantee from the Housing Provident Fund Management Center of this Municipality, and goes through the guarantee formalities according to the guarantee method he chooses. If mortgage guarantee is selected, the guarantor shall issue a written guarantee.

5. Sign a loan contract. After handling the guarantee formalities according to the guarantee method you choose, you can sign a loan contract.

4. What is the loan process of forward housing provident fund?

Now that house prices are so high, many people have to use loans to buy houses. For those who have provident fund, it can be said that buying a house with provident fund loans is also the best choice, and at the same time, it can save a sum of money. The following small series will introduce you to the loan process of the faster provident fund.

What is the loan process of forward housing provident fund?

1 loan application: the borrower and the manager of * * * apply to the provident fund center with the required information;

2. Loan acceptance: The Center will review the loan information, interview the borrower and confirm the loan within 10 working days.

3. Signing a contract: the borrower and the authorized person of * * * sign a loan contract at the center, and the center issues a transfer notice;

4. Pre-registration of mortgage: the borrower entrusts the center to handle the pre-registration of house mortgage;

5. Loan guarantee: the borrower and the borrower sign a loan guarantee contract;

6. Transfer: The borrower shall go to the center and the bank for loan transfer within the time specified in the transfer notice;

7. Mortgage change: The borrower must apply for a house purchase loan within 3 months from the delivery date of the house agreed in the house purchase contract.

Matters needing attention in provident fund loans

1. To correctly evaluate your ability to buy a house with a loan, you must first look at whether you have a down payment of not less than 30% of the purchased house price; Secondly, to fully evaluate their ability to repay the principal and interest of housing loans every month, consumers had better consult the loan bank about the loan plan before lending.

2. There are three types of personal housing loans: personal housing provident fund loans, personal housing portfolio loans and personal housing commercial loans. The interest rate of provident fund loans is the lowest, followed by portfolio loans, and commercial loans are the highest. Property buyers should pay attention to the loan, provident fund loans only to employees who set up housing provident fund.

3. Personal housing loans should be repaid as flexibly as possible. Many borrowers have the idea of "more loans and longer loans" because they are not sure how much money they can make in the future. In recent years, with the increase of income, the repayment ability has been greatly improved, but the loan interest has also increased. Therefore, if the ability permits, you can pay off the loan in advance as soon as possible, so you can also ask the insurance company to refund the previous premium.

Summary: So much about the loan process of forward housing provident fund. When dealing with it, we must follow this process and pay special attention to some details.