If you pay the provident fund at your workplace, you can use the provident fund loan when you buy a house, so the interest rate of the loan will be lower and you can save a lot of money as a whole. For provident fund loans, when handling real estate licenses, we must also master certain processes and materials that need to be prepared.
If you pay the provident fund at your workplace, you can use the provident fund loan when you buy a house, so the interest rate of the loan will be lower and you can save a lot of money as a whole. For provident fund loans, when handling real estate licenses, we must also master certain processes and materials that need to be prepared. The following describes how to apply for the provident fund loan real estate license and the process of applying for the provident fund loan real estate license.
How to apply for real estate license for provident fund loans
How to handle the real estate license for provident fund loans and how to handle the real estate license for provident fund loans: sign the entrustment agreement-pay various fees-get the real estate license according to the agreed time.
1. Sign the entrustment agreement: Usually, there is a clause in the house purchase contract about entrusting the developer to handle the real estate license, which can be regarded as a separate entrustment agreement.
2. Pay various fees: pay intermediary fees such as real estate license, public maintenance fund, deed tax, stamp duty, etc., which developers often ask to pay when they check in.
3. Get the real estate license according to the agreed time: After the developer or intermediary agency pays the above taxes and fees, it can get the real estate license by handling the real estate license and mortgage registration.
Process of handling real estate license with provident fund loan
1. For the process of handling real estate license with provident fund loan, you should first apply to the developer for real estate registration, and the developer will charge a part of the fee according to the difference between the area and the actual construction area.
2. The borrower goes to the provident fund management center to handle the mortgage cancellation formalities with the Application for Real Estate Registration and the Personal Loan Guarantee Contract, and then obtains the authorized client provided by the provident fund management center to go to the real estate center to handle the mortgage cancellation formalities and obtain the house advance notice registration certificate, and at the same time obtains the real estate file inquiry certificate.
3. The real estate center checks the registration certificate of house advance notice, and the borrower shows relevant materials, purchase invoices and contracts.
4. The borrower needs to handle the comprehensive business of landing. When handling, you can get the pre-examination form of land demand for real estate registration by presenting the purchase contract, the house notice registration certificate and the mapping map.
5. Before the borrower goes to the real estate center, he should generally prepare the ID card, household registration book and marriage certificate of both husband and wife.
6. Show the house notice registration certificate, the receipt of the difference between the predicted and measured building area, the original and copy of the commercial house sales contract in the comprehensive tax window, and inquire and print the independent inquiry report of the residential registration record under the personal name on the independent inquiry machine through the ID cards of both husband and wife.
7. Then, the borrower needs to pay the deed tax at the tax payment window, provide surveying and mapping maps and an application form for incremental housing, and obtain two deed tax payment certificates after paying by card or cash.
8. The borrower also needs to pay the maintenance fund in the maintenance fund window, and needs to show the pre-examination form of land demand for real estate registration, the full purchase invoice and the mapping map, and will get two bills of the special maintenance fund for the house, and then go through the mortgage formalities and wait for the payment.
After reading the processes of "How to handle the real estate license for provident fund loans" and "How to handle the real estate license for provident fund loans" above, do you already know the relevant answers and the handling problems of provident fund loans? Housing loan is a way for many people to buy a house, but it is also important to repay on time. The enthusiasm for repayment has a very serious relationship with whether you can get the real estate license smoothly in the later period.
Can I apply for a real estate license with a housing provident fund loan?
You can get the real estate license, but it will take half a year.
At first, I can only get a copy of the real estate license, and the original real estate license will have to wait for about half a year, because I have to mortgage the bank.
Materials required for housing provident fund loans:
1, the household registration book of the borrower and its spouse;
2. Resident identity cards of borrowers and their spouses;
3. Proof of the marital status of the borrower;
4. Proof of down payment for house purchase;
5. The credit status report of the borrower and his spouse printed by the bank;
6. Housing sales contracts or agreements that meet the legal requirements.
Extended data:
The calculation of provident fund loan should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, among which the minimum value calculated by the four conditions is the maximum loanable amount of the lender.
Provident fund loan conditions:
1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.
2, apply for a loan before the continuous deposit of housing provident fund for not less than six months. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.
3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan.
4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan.
5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.