Explain in detail the process of buying a house with provident fund loans, so that the provident fund will no longer "sleep"

In today's high housing prices, more and more young people choose to borrow money to buy a house. In addition to commercial loans, many people choose to use provident fund loans to buy houses because the loan interest rate of provident fund loans is lower than that of commercial loans. Today, Bian Xiao will introduce you to the specific operation process and application conditions of purchasing a house with provident fund loans. Let's take a look.

Housing accumulation fund loan purchase process

1, individual urban workers and their units must pay the housing accumulation fund continuously for one year;

2. The borrower purchases affordable housing recognized by the lender;

3. Have permanent residence in cities and towns or valid residence status; Have a stable occupation and income, and have the ability to repay the loan principal and interest; There is a contract for the purchase of housing or relevant supporting documents;

4. The borrower agrees to mortgage the property listed in the house sales contract signed with the developer to the lender, giving the lender the priority of mortgage and compensation as a guarantee for repayment of principal and interest;

5. The borrower has the ability to pay not less than 30% of the funds needed for house purchase;

6. Other conditions stipulated by the lender.

Information to be submitted:

Personal data:

Four copies of the identity certificate of the individual (hereinafter referred to as the borrower) applying for the loan and the relevant identity certificate of the spouse (ID card or other valid documents);

Four copies of the borrower's marriage certificate (single certificate, marriage certificate, divorce certificate or divorce judgment, and the widow must provide the death certificate of the other party);

4 copies of valid vouchers for payment of house purchase price;

4 copies of the income certificates of the borrower and spouse respectively;

4 originals of legal house purchase contract;

The seal of the borrower and his spouse;

In addition, the borrower's housing provident fund deposit certificate must be provided.

Please be sure to bring the originals and corresponding copies of these materials.

Housing construction audit information:

Commercial housing pre-sale permit or housing reform approval;

Construction project planning permit;

Building construction permits;

Construction land planning permit;

State-owned land use certificate;

View floor plan and floor plan.

Provident fund loan purchase process:

1. preliminary examination: the housing fund management center conducts preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount and loan term. After passing the preliminary examination, the center will issue a notice of mortgage review and evaluation.

2. Appraisal: The applicant will go to the appraisal institution designated by the center to appraise the value of the purchased house with the collateral examination and appraisal notice, and the affordable housing does not need to be appraised.

3. Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center. In line with the conditions, the center will issue the Notice of Investigation on the Entrusted Loan Guaranteed by xx Housing Provident Fund Management Center.

4. Handling guarantee procedures: The applicant holds the investigation notice of xx Housing Provident Fund Management Center to guarantee entrusted loans, and handles guarantee procedures according to the guarantee method he chooses. If mortgage guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution.

5. Sign a loan contract.

The interest rate of provident fund loans is lower than that of commercial loans. Within five years (including five years), the monthly interest rate is 3.45‰ and the annual interest rate is 4. 14%. The monthly interest rate for more than 5 years is 3.825‰, and the annual interest rate is 4.59%. According to the state regulations, the maximum amount of provident fund loans cannot exceed twice the amount of housing provident fund paid by borrowers within their retirement age. The state stipulates that the loan period is one to ten years, but the longest period is not more than twenty years. Banks generally require borrowers to pay interest first, and then repay the principal and interest in equal amounts. Generally speaking, banks have three ways to determine how much loans to give to borrowers and the loan period.

1. The loan amount is determined by 10 times the balance of housing accumulation fund paid by the borrower;

2. Take 40% of the borrower's total salary as the loan amount that can be applied;

3. According to the borrower's monthly repayment ability and the bank's monthly loan interest rate of 3.825‰, the approximate repayment period can be calculated by substituting the corresponding formula. In addition, the bank will "repay the loan" to the provident fund in March each year, and the reduction amount will not exceed 12 times of the monthly repayment amount of that year. In other words, the provident fund you pay can not only apply for a loan with a lower interest rate, but also help you repay part of the loan amount.

Commercial loan process

The first step: signing a tax contract is the first step in the process of buying a house with a loan. Sign pre-sale contracts and sales contracts; Pay the down payment according to the specific requirements of the developer; Pay stamp duty to the developer at 0.5% of the house price.

Step 2: Submit the loan application for buying a house. The most complicated and important step in this process is to submit an application. Unlike housing provident fund loans to buy a house, commercial loans to buy a house should be filled out and submitted in accordance with the regulations. (1) Fill in the application materials: 1, personal housing loan application form 2, personal housing loan contract 3, loan housing ownership certificate custody contract 4, power of attorney 5, commitment letter 6, conversation record.

(2) Submit application materials: 1, ID card, household registration book, temporary residence permit, marriage certificate, academic certificate and other relevant certificates of the applicant and spouse. 2. The original purchase agreement. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the company, bank deposit certificate, etc. In the process of understanding how to borrow money to buy a house, you will find that the above-mentioned loan purchase procedures are completed, and the application is completed, and then the bank will wait for approval.

Step 3: Bank Audit According to the information provided by the lender, the bank will audit the lender's credit status, loan amount and loan term. This step of the loan purchase procedure is dominated by the bank and is the key to the success of the loan application. Step 4: After the bank approves the loan-related contract, sign a series of contract documents with the lender. Most people think that after signing the contract, the process of buying a house with a loan is over. In fact, we have only completed most of the work in the loan purchase procedure, and there is another step. Step 5: The lender repays the loan monthly. The last step in the process of buying a house is to repay the loan. The whole process of buying a house by loan is really over until the date when all the loans are returned.

Mortgage purchase process

1. Operation flow of consultation, application acceptance, pre-loan investigation, loan approval, loan issuance, loan recovery and loan management.

Two. A brief description of each link in the process

1, Consultation, Application Acceptance and Pre-loan Investigation (1) The consulting manager provides consulting services to customers, including the types, objects, conditions, amount, term, interest rate, repayment method, etc. (2) Accept the application after consultation with CCB, and the borrower shall fill in the Application Form for Personal Housing Loan of Zhejiang Branch of China Construction Bank as required to apply for the loan, and provide the following materials: ID card, proof of husband-wife relationship of the mortgagor (valid proof, borrower's income certificate, house purchase contract, down payment certificate, written proof that the guarantor agrees to guarantee and other relevant materials required by CCB). (3) After accepting the loan application, the pre-loan investigation manager shall investigate the completeness, authenticity, validity and legality of the application form and required materials submitted by the loan applicant. Through the pre-loan investigation, it is considered that it meets the loan conditions and is ready for approval.

2. Loan approval (1) Credit personnel of the handling bank-person in charge of the credit department-person in charge of the handling bank within the approval authority of the handling bank (2) Approval of the handling bank outside the approval authority of the handling bank-reported to the person in charge of the credit approval agency of the superior bank for approval. After investigation, I explained the situation in the Approval Form of Personal Housing Loan of China Construction Bank and wrote a review opinion, and submitted the loan approval form and approval materials to the person in charge of the credit department, who is the head of the credit department. Beyond the approval authority of the branch, it shall be signed by the branch and reported to the credit approval authority of the superior bank for approval.

3. Sign the loan issuance contract-go through the formalities of mortgage registration, insurance and notarization. -Fill in various vouchers after the contract comes into effect-The borrower opens a deposit account-Go through the loan transfer formalities. (1) After signing the contract loan for approval, the handling personnel will sign relevant contracts with the contract, the borrower (borrower, mortgagor and guarantor) and the authorized signatory of CCB according to different loan purposes and loan guarantee methods. (2) After handling mortgage registration, insurance notarization, opening a borrower's deposit account, signing a mortgage contract, receiving the collateral and other related procedures, the credit department will register the "Collateral (pledge) and Warrant Register" item by item according to the collateral (pledge), and fill in the "Collateral (pledge) of China Construction Bank" according to the value of the collateral (pledge). (3) Fill in various accounting vouchers after the contract comes into effect. (4) Handling the loan transfer formalities After receiving the payment notice from the credit department and checking that it is correct, the accounting department will handle the loan transfer formalities according to the relevant regulations and procedures, and the transfer will be made by direct payment or special transfer.

4. Entrusted deduction method for loan recovery (1): The borrower shall sign an entrusted deduction agreement with the loan bank. (2) Counter repayment method: The borrower will hand over the cash or credit card or savings card to the counter manager for handling.

5. Post-loan management (1) daily management: tracking management, inquiry and analysis, including loan account, daily loan notice, overdue collection, post-loan inspection, inquiry and statistics, and daily custody of collateral until the loan is settled. (2) Withdrawal of mortgage: After the borrower pays off all the loan principal and interest on schedule, the credit department shall cancel the "Register of Mortgaged (Pledged) Warrants", fill in the "Notice of Transfer of Mortgaged (Pledged) Property of China Construction Bank" and notify the accounting department and the mortgaged (Pledged) storage department. After the accounting department, the custody department and the custody department have verified that it is correct, they shall go through the corresponding procedures of clearing accounts and refunding fees. (3) File management: After each loan is completed, the credit handling personnel will regularly sort out the collected relevant materials, submit the original contract to the file manager, and handle the relevant handover procedures. A copy of the contract is kept by the credit department for daily management. After the loan principal and interest are settled, the credit department will notify the archivist to formally file.

Conclusion: In fact, the provident fund is not only used to buy a house as people know, but also can be used for other purposes if you want the provident fund to play more roles. However, the relevant staff of a housing provident fund management center suggested that it is necessary to go to the public security bureau to open a certificate of no room and a rent invoice to withdraw the provident fund to rent a house. It's too much trouble to get a few hundred dollars at a time. If you plan to buy a house in the future, it's more cost-effective to take it out at one go when you need it in the future.

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Flow chart of loan selling house

If the house you sell is still under loan, you must redeem the house and cancel the mortgage first, otherwise you can't transfer it.

Here we need to emphasize a very important detail-the question of who the down payment buyer pays directly.

The seller must expect the buyer to pay the down payment directly to his account. However, even if it is a seller's market now, buyers must stick to their own position on this issue. Some time ago, an intermediary made such a fire that the funds were not regulated.

Here is a brief list of the process of buying a house with a loan:

1. After signing the house sales contract, the seller received the deposit.

2. The seller receives the deposit.

3. Apply to the bank to repay the loan in advance.

4. Remove the mortgage and obtain full property rights of the house.

5. The buyer pays the final payment, and both parties handle the transfer (fund supervision).

6. After the transfer is completed, the seller receives the final payment.

Charge transfer flow chart

The mortgage transfer process may be different in different cities. Take the transfer of mortgaged real estate in Wuxi as an example. The specific process is as follows:

1. The buyer and the seller reach an agreement on the property to be traded and obtain the consent of the mortgage bank;

2. The buyer and the seller sign relevant fund supervision agreements with the loan bank to ensure that the supervision funds can be greater than the remaining loan principal and interest of the seller;

3. After the loan applied by the buyer is approved by the bank, the down payment of the buyer and the loan funds issued by the bank shall be deposited into a special supervision account;

4. Handle the "three-in-one" registration, that is, merge the pre-sale notice registration of second-hand houses, the registration of the change of the seller's mortgage right and the establishment of the buyer's new mortgage right;

5. Release the funds in the special supervision account, first use it to settle the remaining loan principal and interest of the seller, cancel the mortgage registration, and then transfer the remaining funds to the account designated by the seller.

In the whole process, the mortgaged real estate can be traded without repaying the loan in advance and paying the funds in advance, and the funds are specially supervised. Once the transaction fails due to risks or unexpected circumstances, the deposited funds will be returned in the same way, which can effectively prevent the transaction risks and avoid the funds.

Information required for mortgage transfer:

1. Seller information

Mainly ID cards, bank cards, after all, the relevant information of housing loans has been submitted before.

2. Buyer information

Identity card, household registration book, proof of marital status, proof of work income, personal credit report, proof of family property, proof of down payment for house purchase, bank card for loan repayment and other information stipulated by the bank.

3. Housing related information

Mainly real estate license, purchase contract, mortgage loan contract after the buyer's loan is approved and mortgage change agreement issued by the bank.

Because the mortgage transfer process is to handle the mortgage change at the same time as the second-hand housing business, only one set of materials needs to be submitted, and the business only needs to be handled once, which can be handled in the same acceptance window, reducing intermediate procedures and shortening the transaction cycle.

What is the flow chart of buying a house? What is the process of online signing of house purchase?

As we all know, buying a house now is a big deal for people. Buying a house requires a lot of procedures. If the buyer is inexperienced, it is easy to be ignorant when he arrives at the scene of buying a house, which leads to the failure to buy a suitable house or being deceived by the property consultant in the process of buying a house. Then let's take a look at the flowchart of buying a house.

As we all know, buying a house now is a big deal for people. Buying a house requires a lot of procedures. If the buyer is inexperienced, it is easy to be ignorant when he arrives at the scene of buying a house, resulting in failing to buy a suitable house or being deceived by the property consultant in the process of buying a house. Then let's take a look at the flowchart of buying a house. What is the process of online signing of house purchase?

What is the flow chart of buying a house?

1, first of all, we must know what kind of house we want to buy, how many rooms, halls and bathrooms we need, and then calculate how much money we have in purchasing power, determine our monthly repayment ability, and determine where to buy the house.

2. After determining the area, conduct real exploration and screening for the area. You can go to the sales office to consult the market, or you can get information about the area online.

3. Then look at the house. The most important thing is to see whether the quality of the apartment, the orientation, the location of the community are satisfactory, the building situation of the floor and the surrounding facilities are perfect.

4. After reading it, talk about the price. Pay the subscription money after the price is satisfied. When paying money, you must first make sure that it is within your tolerance, and then the room number, apartment type, floor, orientation and pattern of the house must be determined one by one.

5. Pay the money and wait for the down payment. After paying the down payment, you need to pay the down payment within a fixed time. Colleagues who pay the down payment sign the purchase contract.

6. After the developer submits the contract information, what is waiting for him is to go to the bank to handle the mortgage loan. When going to the bank to apply for a loan, buyers need to prepare their own true letter report and running details in advance.

7. After the bank lends money, it will go to the Real Estate Bureau for online signing. After the online signing, the house has basically been settled. After the online signing, file it online, then apply for the property right certificate and wait for the house decoration.

What is the process of online signing of house purchase?

1. The two parties to the transaction negotiate and formulate relevant terms according to the text of the commercial housing deposit agreement or the sales contract published online;

2. Real estate development enterprises print the agreement or contract confirmed by both parties through the online signing system;

3. Signature (seal) of both parties;

4. Indicate on the electronic property list that the commercial house has been booked or signed, and the online operation procedure of each transaction should be completed within 24 hours.

5. Online signing is very important for both new house transactions and second-hand house transactions, which is why if you borrow money to buy a house, you will ask the buyer to submit the loan information for review first, and then enter the online signing procedure after confirming the qualification.

The above is all that I have introduced to you about the flow chart of buying a house and the online signing process of buying a house. I hope I can help you. In fact, when buying a house now, we must first understand the whole flow chart of buying a house, so that we can know what we want to buy the house we like smoothly.

Flow chart of bank loan for purchasing second-hand houses

Second-hand housing bank loan process:

1. Apply for a loan from the bank and submit the loan information;

2. Housing evaluation;

3. Bank approval;

4. Pay the down payment and handle the transfer;

5. The buyer goes through mortgage registration and insurance procedures, and the bank lends money.

Second-hand housing loans are generally determined according to the borrower's personality, occupation, education level, repayment ability, liquidity of purchased housing (including mortgaged housing) and other factors.

Term of the loan: generally within 20 years, and the maturity date of the loan cannot exceed the borrower's 65 years of age in principle. The loan interest rate shall be subject to the provisions of the People's Bank of China. In case of legal interest rate adjustment, if the term is less than 1 year, the contract interest rate will be implemented and interest will not be calculated by installments; If the term exceeds 1 year, the new interest rate will be implemented at the beginning of next year.

Extended data:

When handling the second-hand housing loan, the buyer and the seller bring all relevant materials to the bank for handling. Receive and fill in the second-hand housing personal loan application form, and submit the materials to the staff for review after filling in. Bank staff will make a preliminary assessment of the qualifications and loan materials of the lender, and give the approximate loan amount and term.

After the first trial is passed, the bank will contact the designated housing assessment agency to inspect and evaluate the house. The real estate appraisal institution issues an appraisal report to the bank, and the bank approves the loan amount and term according to the appraisal price of the house and the qualification examination of the comprehensive lender. The approval process usually takes about 5 working days.

After approval, the buyer pays the down payment to the seller. Then the buyers and sellers and the bank staff go to the real estate exchange to handle the house property transfer formalities with the down payment certificate, the mortgage application review commitment letter issued by the bank and other materials. Generally, the transfer can be completed on the same day, and the buyer can get the real estate license after waiting for about 20 working days.

After receiving the real estate license, apply for mortgage registration and insurance. Then, after the loan is issued, the bank will deposit the house payment into the seller's account, and the buyer will start to repay the principal and interest on schedule according to the contract.