Confirm the deposit for the first suite. Workers' families include borrowers, spouses and minor children. Commercial bank loan records without housing and loan records. The loan applied by the borrower shall be recognized as the first home.

Legal analysis

1. The borrower must first fill in the application form at the bank and ask the loan officer for a preliminary examination. Only those who meet the application conditions will be issued, and the borrower's ID card, household registration book, marriage certificate, house purchase contract, income certificate and other materials will be handed over to the law firm designated by the bank. The lawyer conducts a preliminary examination of the identity and credit status of the loan applicant, issues a written order to the bank, evaluates the identity and credit status of the loan applicant, and collects relevant fees, buys real estate insurance at the bank counter, and pays the real estate insurance premium in one lump sum. 2. The bank will review the borrower's credit information. After the review is passed, the lawyer will sign the individual housing loan contract, the guarantee contract, the power of attorney for entrusted transfer and other legal documents with the borrower separately, and open a special account for individual housing loan. Lawyers are responsible for checking signed legal documents, signing loan contracts and other materials by banks, serving them to developers and borrowers, and transferring loans to developers' accounts. 3. The borrower shall repay the loan on time according to the prescribed repayment method, pay off the loan principal and interest, terminate the pawn and guarantee contract, and recover the relevant pawn certification materials.

legal ground

Regulations on the administration of housing provident fund

Article 9 The Housing Provident Fund Management Committee shall perform the following duties in the management of housing provident fund: (1) Formulate and adjust specific measures for the management of housing provident fund according to relevant laws, regulations and policies, and supervise the implementation; (two) according to the provisions of article eighteenth of this Ordinance, formulate the specific deposit ratio of housing provident fund; (three) to determine the maximum loan amount of housing provident fund; (four) approval of housing provident fund collection and use plan; (five) to consider the housing provident fund value-added income distribution plan; (six) to examine and approve the report on the implementation of the plan for the collection and use of housing provident fund.

How to handle the identification of the first suite of provident fund loans

1, I bought a suite with a loan, the commercial loan has been settled, and then I bought a house with a loan. I bought a suite with a loan and later sold it. You can't find the property through the house registration system, but you can find the loan record in the bank credit information system and then borrow money to buy a house. I bought a suite in full and borrowed money to buy a house.

2. I bought a suite in full and sold it later. The housing registration system couldn't find the property, so I took out a loan to buy a house. There are two commercial loans in the name of the individual, both of which have been paid off and sold, and at the same time, they can provide proof of selling two houses. One commercial loan has been paid off and the other provident fund loan has been sold. At the same time, you can provide proof of house purchase and sale and apply for a commercial loan before buying a house.

3. Husband and wife, one party buys a house before marriage and uses a commercial loan, while the other party buys a house before marriage and uses a provident fund loan. After marriage, they want to borrow money in the name of husband and wife. If the loan has been paid off, banking financial institutions can flexibly grasp the loan interest rate and down payment ratio according to specific factors such as the borrower's solvency and credit status.

What materials do Weifang first suite provident fund loans need? What is the process?

Housing accumulation fund is a long-term housing deposit paid by units and their employees, and it is the main form of monetization, socialization and legalization of housing distribution. It is also a form of loan that people mainly use to buy houses at present, which provides a guarantee for workers to solve the housing problem faster and better. Let's talk about what materials are needed for Weifang's first suite to apply for provident fund loans. What is the process?

Housing accumulation fund is a long-term housing deposit paid by units and their employees, and it is the main form of monetization, socialization and legalization of housing distribution. It is also a form of loan that people mainly use to buy houses at present, which provides a guarantee for workers to solve the housing problem faster and better. Let's talk about what materials are needed for Weifang's first suite to apply for provident fund loans. What is the process?

What materials do Weifang first suite need to apply for provident fund loan?

1, Weifang individual housing provident fund loan application approval form;

2. Identity cards of the applicant and his spouse; Household registration books of the applicant and his spouse; If the applicant and the spouse's account are not together, provide a marriage certificate;

3. Purchase the pre-sale contract and pre-sale permit of commercial housing for auction houses; Commercial housing existing home sales contract;

4. A valid down payment voucher for the purchased house;

5. ID cards of the pledgor and the owners involved in the pledge; The bank issues a running salary certificate;

6. Proof of inquiry results of house ownership registration information and original invoice; "Personal credit query results"; Approval Form for Transfer of Provident Fund Loan to Borrower's Repayment Account;

What is the process of handling provident fund loans for the first suite in Weifang?

1, application

The borrower brings the original ID card and materials that should be brought when buying a house in different situations, applies for provident fund loan to the provident fund management center where the provident fund belongs, and fills in the Weifang Individual Housing Provident Fund Loan Application Form (single) or Weifang Individual Housing Provident Fund Loan Application Form (with spouse) and submits relevant materials.

3. Acceptance (first instance)

After accepting the application, the staff of the provident fund center will conduct a preliminary examination, enter information and check the materials submitted by the borrower. If it passes the preliminary examination, the staff shall sign the preliminary examination opinions and submit them to the inspectors for investigation and verification.

Step 4 investigate

Provident fund center inspectors or guarantee companies to check the borrower's purchase, income, credit and other conditions. , and issue inspection opinions.

Step 5 agree

The provident fund center shall examine and approve the borrower's application according to the inspection opinions of the inspectors, and give a reply within 5 working days. Grant provident fund loans, provident fund center issued the "Weifang individual housing provident fund loan approval form", and handed over the materials to the entrusted bank; If the provident fund loan is not granted, the borrower shall be informed of the reasons in time and the materials shall be returned.

Step 6 sign a contract

After receiving the loan materials approved by the Provident Fund Center, the entrusted bank will verify the information of the Provident Fund system, review all the information, sign all contracts with the borrower, such as Weifang Individual Housing Provident Fund Loan Contract, and determine or open a repayment account.

In fact, as long as you have a permanent residence in Weifang or other valid residence identity documents, you will be able to stabilize your income and repay the principal and interest. Applicants who meet the above conditions can bring personal identity documents, marriage certificates and related materials to the housing provident fund management center for related loan business. Ok, what materials do you need for the first housing provident fund loan in Weifang today? What is the process? That's it.