2. After the bank has approved the documents and materials submitted by the borrower, the loan applicant will sign a renovation contract with the decoration company accordingly and hand over the original contract to the bank;
3. The borrower and the borrower sign the loan contract and the corresponding guarantee contract. If the borrower takes the house as mortgage, it shall go through the formalities of notarization of individual housing mortgage contract, mortgage housing insurance and real estate mortgage registration;
4. After the bank accepts the certificate of other rights of real estate, it shall go through the formalities of loan guarantee or loan;
5. Entrusted by the borrower, the bank will transfer the loan to the bank designated by the decoration company to open an account in the name of paying the decoration money at the time stipulated in the loan contract.
The above is the process of handling Huizhou in a bank, but the process of each bank may be different, so you should know clearly in advance before handling it.
II. Materials to be prepared for the renovation loan of Huizhou Provident Fund.
1. The ID card, household registration book, marriage certificate and personal seal of the owner and spouse on the real estate license;
2. Real estate license;
3. If there is a loan in the mortgaged house, provide the original loan contract and the latest statement (the outstanding loan balance should be more realistic);
4, the borrower's housing provident fund account number;
5. Rural commercial banks open passbooks and pay the guarantee fee, handling fee and evaluation fee (with loan demand) of the provident fund in full.
6. Proof of stable economic income (proof of unit wage income, etc.). );
7. The house renovation contract, budget and down payment invoice signed with the decoration company.
Precautions:
1. For those who already have mortgage loans for commercial housing, they can also apply for provident fund renovation loans for housing renovation, but in general, the sum of the amount of the loan application and the amount of the original mortgage loan cannot exceed 70% of the total housing price, and the specific standards are implemented according to the actual situation in various places;
2. At present, the quota standard for handling provident fund renovation loans is generally RMB 1 000 per square meter, which may be relaxed to RMB 2,000 per square meter in the future. Once it is opened to 2000 yuan per square meter, the handling fee will increase relatively;
3. Provident fund renovation loans generally require the lender to have a good credit record. There should not be too many overdue records of credit repayment in the past, otherwise it will lead to an increase in processing costs;
4. The provident fund renovation loan has not been paid off, and you cannot apply for a new provident fund housing loan. Therefore, if there is a short-term housing demand, do not easily make provident fund decoration loans.
Through the above introduction, everyone should have a certain understanding of Huizhou provident fund decoration loan. If your house needs to be renovated and meets the requirements, you may wish to choose Huizhou provident fund renovation loan and avoid detours.