Information and process needed for the second-hand housing provident fund loan:
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 original of the purchased second-hand house property certificate and state-owned land use certificate.
4. Proof of income of the applicant and spouse;
5, the real estate price evaluation results
6. The transfer account certificate issued by the seller.
7. Other materials required by the Provident Fund Center.
Second, the provident fund loan steps
1. Applicants for second-hand housing provident fund loans can go to the provident fund management center or the loan undertaking bank to consult related matters and evaluate the loan amount and term.
2. The loan applicant receives the application form, etc. And fill in it carefully and truthfully, and submit relevant application materials. After the approval of the provident fund management center and the loan undertaking bank, the evaluation results will be issued.
3. Price evaluation
The loan applicant shall entrust the real estate price appraisal institution designated by the provident fund management center to evaluate the purchased real estate.
Step 4 pay a down payment
After the evaluation structure comes out, the loan applicant must deposit the self-raised down payment fund exceeding the loanable amount into the designated account, and submit it to the provident fund management center or the loan undertaking bank after obtaining the deposit certificate.
5, provident fund center for loan application review.
Step 6 sign a contract
The loan applicant completes the signing of the loan contract in the designated provident fund service hall.
7. Handle the formalities of second-hand house property right transfer and mortgage registration.
8. The loan undertaking bank lends money to the applicant according to the loan contract and directly transfers it to the account designated by the seller.
What is the process of purchasing second-hand houses with provident fund loans?
The general process mainly includes: buyer qualification examination/seller house verification, online signing, evaluation, preliminary examination/face-to-face signing, bank loan approval, loan contract signing, tax payment/transfer, and bank loan.
1. The borrower consults at the housing provident fund center and receives the application form:?
By the buyers and sellers of houses and their spouses (unmarried or divorced, certificates should be issued), in the name of the seller, two original certificates of "Property Ownership Certificate" and "State-owned Land Use Certificate", as well as the original household registration book, identity card and marriage certificate, they will go to the city housing provident fund center for pre-registration and receive an application form for provident fund loans.
Two. The Borrower submits the following loan information to the Municipal Provident Fund 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) ID card, household registration book and marriage certificate of both husband and wife (original and photocopy, single employee shall provide single certificate);
Three, the housing provident fund center for approval:
Fourth, the transaction transfer.
Verb (abbreviation for verb) sign a contract
How to use provident fund loans to buy second-hand houses
If you apply for individual housing provident fund loan in China Bank, the application materials for second-hand housing provident fund loan are as follows: 1, valid identity certificate (original); 2, marriage certificate, married workers must provide a marriage certificate (original and copy); 3. Second-hand housing sales contract (original and photocopy); 4. Original property ownership certificate and seller's ID card (copy); 5. Proof of down payment for house purchase (original and photocopy); 6. Repayment account (debit card or passbook of the entrusted bank, original and copy); 7. If the parents * * * are the same as the applicant or * * * are the same as the borrower, the household registration book (original and photocopy) or the certificate of immediate family members issued by the public security department or notary office (original) shall be provided; 8. Entrust the appraisal company's property inquiry form and appraisal report; 9. If the sales contract is signed by an agent, a notarial certificate (original) and an agent's ID card (copy) shall be provided; 10. If there are lease clauses in the sales contract, the lease contract (photocopy), the statement of waiver of purchase right issued by the lessee (original) and the lessee's ID card (photocopy) shall be provided. 1 1. If the seller is a legal person, provide a copy of the ID card of the legal representative and the original certificate of the legal representative; If there is an agent, the original power of attorney of the legal representative and a copy of the licensee's ID card must be provided (the copy must be stamped with the official seal of the company). Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.
The above contents are for your reference. Please refer to the actual business regulations.
Second-hand housing transaction detailed process, with housing provident fund loans, how to handle?
Second-hand housing transaction detailed process, with housing provident fund loans, how to handle?
Second-hand housing transaction transfer process:
Sign a real estate sales contract (available at the local real estate trading center) first, and write down your agreement in the contract, such as how to pay and how to pay by installments. Generally sign a sales contract and give him a 30% down payment, and then transfer to the real estate trading center. At the same time, you can take this down payment voucher to the provident fund management center to apply for a provident fund loan, which will be available in about a month. Give him the last 1% after getting the production certificate.
You can use two people's provident fund to repay the loan, and the maximum amount of provident fund loans for both husband and wife will be raised.
The transfer procedure is not complicated, as long as you have the original and photocopy of the ID cards of both parties, household registration book, marriage certificate, tax payment certificate, contract and real estate license, you can transfer the ownership. Note that both parties must be present to sign, and either party will entrust the notary office!
One-time payment means faster than the loan 1 month, and there is no difference in other things. The total time is to transfer ownership on the day of signing the contract (with all the information), get a new property certificate 20 working days after the transfer, and then pay the water and electricity bill.
First, the detailed process of second-hand housing transaction transfer.
1, the buyer and the seller go through the relevant formalities at the selected intermediary company, register and pay the down payment. Contract processing is a prerequisite.
2. After the formalities are completed, the intermediary company begins to handle the loan formalities for the buyer in the relevant bank. The loan application time is relatively strict, and the time is mostly half a month. Of course, every region is different. Finally, the bank passed the examination and approval, and began to handle the transfer procedures after obtaining the approval.
3. According to the requirements of property right transfer registration, go to the property right registration center, and the buyer and the seller need to prepare the information needed for the transfer.
4. The people of the intermediary company take the buyers and sellers and relevant materials to the local taxation bureau for tax verification, and the local taxation bureau issues tax receipts.
5. Then go back to the trading center, submit deed tax, business tax receipts and all the documents required by both parties for transfer, fill in the application for registration of house ownership transfer, receive the acceptance notice, and pay the house stamp duty at the same time.
6.20 working days later (the time may be different in each region), someone will tell you to go to the trading center to get the real estate license. At this time, the bank will also issue a notice that the buyer is ready to start mortgage payment.
Second, the housing provident fund loan process.
1. loan application: the borrower submits a loan application to the management center and provides the required information.
2. Loan acceptance: The management center will review the loan information and interview the applicant, and make a decision on whether to approve the loan within 5 working days after accepting the borrower's loan application.
3. Signing a contract: The borrower and spouse sign a loan guarantee contract at the entrusted bank.
4. Loan issuance: After the loan contract comes into effect, the entrusted bank will transfer the loan amount to the seller's bank deposit account (forward house) or the borrower's bank deposit account (second-hand house, existing house, resettlement house and self-built house).
Proof materials to be provided
1. Original and photocopy of the household registration book of the borrower, spouse and house ownership.
2. The original and photocopy of the ID card of the borrower, his spouse and the owner of the house.
3. Borrower, property right of the house * * * If someone gets married, provide the original and three copies of the marriage certificate.
The original and two copies of the unmarried certificate shall be provided by the borrower and the property owner.
If the borrower divorces, it shall provide 3 originals and photocopies of the divorce certificate and divorce agreement, and 2 originals and photocopies of the certificate of non-remarriage;
If the borrower is widowed, provide the original and two copies of the certificate of non-remarriage.
4, XX city housing provident fund loan borrower income certificate in duplicate.
5.5438 After June +2002 10, if one or both husband and wife paid the housing provident fund in counties (cities) of Lishui City, they should provide the original and photocopy of the "Lishui City Housing Provident Fund Cross-county Loan Certificate" issued by the county (city) housing provident fund management sub-center.
6. Two copies of the borrower's passbook or savings card in the loan bank.
How to handle the second-hand housing provident fund loan?
Applicants who purchase second-hand houses shall submit the following materials to the provident fund management center:
4 copies of the borrower's ID card;
Household registration book 1 copy;
Loan application form;
1 house sales contract;
2 evaluation reports;
2 copies of the transferred house ownership certificate and ownership certificate;
1 copy of duty-paid invoice;
And sign a loan contract after paying relevant fees (guarantee fee, mortgage registration fee, agency fee, etc.). ).
Processing flow:
The applicant holds the notarized second-hand housing sales contract to the housing provident fund management center (hereinafter referred to as the center) to receive the loan application form;
The applicant holds the ID card, household registration book, completed loan application form, house sales contract, transferred house ownership certificate, evaluation report and other materials of himself and the auxiliary borrower to the center to review the loan amount and calculate the fees to be paid;
Submit information;
On the specified date, the applicant goes to the center to transfer money through the bank window and get a receipt.
The loan process of individual housing provident fund (portfolio) of CCB:
Materials required by the Buyer and the Seller:
Seller:
Property owner's ID card, household registration book, seal, real estate license and land use right certificate;
Buyer: borrower's ID card, household registration book, stamp, provident fund card and inquiry form; If the borrower is married, it shall provide the spouse's ID card, household registration book and handprint (the husband and wife do not provide the marriage certificate of the same household registration); If the husband and wife have double loans, the borrower's spouse should provide the provident fund card and inquiry form in addition to the above information; If the portfolio loan exceeds the repayment ability of the provident fund, it is also necessary to provide the borrower's "Certificate of Fixed Economic Income of Employees" (CCB Edition).
Relevant conditions of the loan:
1. The purchased house shall meet the following conditions: 1) The private property house that has obtained the house ownership certificate is designed for residential use;
2) The property right of the house is clear, unsecured and unrestricted;
2. Determination of the loan term: 1) Loan term The borrower's age is ≤65 (male) ≤60 (female);
2) The term of the provident fund loan cannot exceed 20 years;
3. The following four items should be taken as the minimum standards for determining the loan amount:
1) Calculation of repayment ability:
Loan amount = monthly payment/(unit deposit ratio, individual deposit ratio) (repayment ability coefficient, unit deposit ratio) 12 loan period;
(The loan term is 1- 10 years, the repayment ability coefficient is 0.35, and the 1 1-20 years coefficient is 0.40).
2) Calculation of house price: loan amount = 80% of the mortgage value of the house.
(The mortgage value of the house is based on the principle of lower transaction price or appraisal price. )
3) Calculation of card balance: loan amount = 15 times the card balance (if the card balance is less than 10000, it will be calculated as 10000);
4) Calculation of the maximum loan amount: the maximum loan amount is 250,000 yuan, and the maximum employee loan amount can reach 300,000 yuan for units that have increased the housing provident fund deposit ratio (higher than 8%) or paid the supplementary housing provident fund (or monthly housing subsidy) in full every month for more than six consecutive months;
4. On-the-job personnel who have paid the housing provident fund in full and continuously for six months before applying for a loan and have full capacity for civil conduct.
Cost:
1, appraisal fee = appraisal value 5‰ (appraisal company fee)
2. Insurance premium = loan amount, property loss rate and property loss coefficient (insurance company fee)
3. First month repayment = loan amount in the repayment table (bank fee)
4. Other expenses 100 yuan.
Loan process:
Receiving →→→ Issuing the evaluation report (the day of receiving) → Preparing before lending → Receiving by the bank (Monday and Thursday) → Approving by the bank and provident fund center (about one week) → Face-to-face signing by the bank (Tuesday and Friday) → Delivery and transfer → Taking other items (depending on the housing authority of each district) → Returning other items to the bank on the same day.
How to handle the second-hand housing provident fund loan?
Application conditions
1, the identity is legal and valid;
2. Have full capacity for civil conduct;
3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;
4, purchase, construction, renovation, overhaul occupied housing;
5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents;
6. Provide customer-recognized guarantee;
7. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans;
8, continuous normal deposit housing provident fund for more than twelve months;
Materials to be prepared:
1. Copy of the applicant's ID card;
2. A copy of the applicant's household registration book (home page, personal page and change page);
3. Copy of the down payment invoice for house purchase;
4. Original and photocopy of the commercial housing sales contract;
5. Original and photocopy of the house ownership certificate;
6. Original loan application form.
Handling housing provident fund loan procedures:
1. The loan applicant fills in the application form;
2. The applicant submits the application materials to the Center;
3. Confirm the customer's loan qualification through the preliminary examination of the center;
4. The borrower entrusts an appraisal firm to conduct mortgage audit and appraisal;
5. Fill in the loan file;
6. Submit the custody contract and loan contract to the developer and guarantee unit for seal;
7. buy insurance;
8. Submit materials to the provident fund management center for review;
9. Send the data to the center for final review;
10. Send the information to the lending bank;
1 1. Store the information returned by the bank;
12. Repay on schedule according to the loan file.
How to handle housing provident fund loans for second-hand houses
First of all, buy a second-hand house and ask the provident fund management office to see what materials are needed. Then pay attention to the payment method and share in the process of buying and selling, and use the provident fund.
Detailed process of housing provident fund loan
Provident fund loan
Provident fund: refers to the long-term housing provident fund paid by local enterprises and institutions for employees.
Note: the provident fund loan must meet the requirement that the provident fund deposit must be paid continuously 1 year or more.
Provident fund loans to buy a house must have a buying and selling relationship.
1。 First-hand house: it needs to be provided with the developer.
Signed a formal commercial housing contract, down payment invoice, transfer certificate provided by the developer, ID card, household registration book, marriage certificate, repayment passbook issued by the entrusted bank designated by the provident fund, (education certificate, professional title certificate)
2。 Identity card, household registration book, marriage certificate, repayment passbook issued by the entrusted bank designated by the provident fund, professional title certificate (diploma and professional title certificate) and transfer passbook (issued by the local bank) of the seller.
Note: All the above procedures must be handled at the local housing provident fund management center.
What are the procedures for housing provident fund loans to buy second-hand houses?
Apply. Employees who intend to apply for second-hand housing loans shall submit the borrower's (spouse's) salary income and housing provident fund deposit certificate (in triplicate) and the original and photocopy of the housing ownership certificate before the transaction, and the business personnel shall review and confirm whether the employee's housing provident fund deposit is normal (whether the employee's housing provident fund deposit meets the loan conditions must be finally confirmed when applying for the report) and whether the employee's (spouse's) salary income certificate is true and standardized;
Promise. There are two ways to guarantee the second-hand housing provident fund loan: installment guarantee plus mortgage and mortgage. Borrowers can choose independently according to their own actual situation.
Audit. Submit all loan application materials as required and pass the examination and approval. After being qualified, notify the bank to sign a loan contract with the borrower and go through the notarization procedures of the contract;
After the lender has gone through all the above procedures, the Center will issue a Decision on Granting Lending to the entrusting bank to inform the bank to lend;
Repayment. After a series of procedures, the last is the repayment of the buyers, who can repay the bank monthly according to the monthly repayment amount agreed in the loan contract.
If you apply for a personal housing provident fund loan at Shenzhen China Bank, the general process is as follows: Step 1: The applicant and * * * directly make an appointment with the applicant at our business outlets or online (fill in the information in the "Advance Loan Business" and make an appointment for the time and place). Step 2: Submit the application materials at our business outlets or the reception counter of the management department according to the appointment time. Step 3: Approval by the Provident Fund Center. Step 4: Sign a loan contract with a commercial bank after approval. Step 5: The bank handles the relevant loan procedures. Step 6: The bank issues loans. Step 7: The borrower receives the information. Because different housing provident fund management centers have different policies and requirements for individual housing provident fund loans, please consult the provident fund loan business outlets or local provident fund management centers for details. If in doubt, please continue to consult the online customer service of Bank of China. Welcome to download China Bank Mobile Banking or pay attention to "China Bank Micro Banking" to handle business. China Bank Online Customer Service:: 95566.boc./ZIM/ Mobile Banking Download:: Bank of China. /EBanking/Service/CS 1/20 1009/t 20 10092 1 _ 165438。 locale = zhv = 20 1805 180204056 13
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