1. The borrower directly applies for a loan from the municipal capital center. Processing flow:
The first step is to consult in the center and get the application form: the buyers and sellers of the house and their spouses (unmarried or divorced, they should issue certificates) pre-register in the city financial center, and get the application form for provident fund loan in the name of the seller with the original house ownership certificate, state-owned land use certificate, household registration book, ID card and marriage certificate.
Step 2: The borrower shall submit the following loan information to the municipal capital center:
(1) provident fund loan application form;
(2) proof of deposit of provident fund (or household registration book of housing provident fund) and proof of economic income;
(3) the evaluation report of the purchased house;
(4) The stock house sales contract signed by the buyer and the seller;
(5) Real estate license and state-owned land use certificate in the name of the original seller (original and photocopy);
(6) Both husband and wife's ID card, household registration book and marriage certificate (original and photocopy, and single employee shall provide single certificate. )
Step 3: Acceptance and approval by the "center": the municipal capital center accepts the information of loan applicants, and determines the loan amount and term after approval.
The fourth step is transaction transfer: the buyer and the seller go to the real estate bureau and the Land and Resources Bureau to handle the transfer procedures of the "two certificates" transaction.