Now many people choose housing provident fund loans to buy a house, but for first-time buyers, they don't know much about this process. Then, let Bian Xiao share with you how the provident fund loans to buy a house. You can understand it and believe it can give some help.
First, how does the provident fund borrow money to buy a house
1. Preliminary review: The housing provident fund management department conducts a preliminary review of the information provided by the applicant, including the loan amount, the applicant's qualification and the loan time. After the first trial is passed, the notice of mortgage review and evaluation will be given.
2. Evaluation: The applicant obtains the notice of mortgage review and evaluation, and then goes to the designated evaluation agency to evaluate the purchased house. If you can afford it, there is no need to evaluate it.
3. Audit: The applicant carries the evaluation report and relevant materials of preliminary examination for loan audit. Meet the requirements, given the "housing fund management guarantee entrusted loan investigation notice".
4. Handling guarantee procedures: The applicant carries the Notice of Investigation on Entrusted Loan Guaranteed by Housing Provident Fund Management, and handles guarantee procedures according to the selected guarantee form. In the form of mortgage guarantee, the guarantor shall write a written guarantee; If it is in the form of mortgage and insurance, you need to go to the insurance company to handle the entrustment guarantee procedures.
5. Sign a loan contract.
6. The housing provident fund management department signs an entrusted loan agreement with the entrusted bank, and finally lends money.
Second, what should I pay attention to when buying a house with a provident fund loan?
1, the provident fund cannot be directly used as the down payment for buying a house. If you want to buy a house with a provident fund loan, you can pay the down payment directly in rainy days, and then take relevant information to the local provident fund management center to withdraw the balance of the provident fund before you can use it.
2. The total amount of provident fund withdrawal cannot exceed the total house price. If you have 400,000 yuan in your provident fund account, the total price of the house you bought is not 400,000 yuan, so you can't withdraw all of it.
3. After the provident fund loan is settled, you can use the provident fund to buy a house. If your loan is not paid off, you can't apply for a provident fund loan to buy a house; If you pay off the previous loan, you can apply for a provident fund loan to buy a house again, without restrictions.
Abstract: The above is the related content of how Bian Xiao shared the provident fund to borrow money to buy a house. Provident fund loans should be applied according to local policies, so as to be approved smoothly. You can learn more about it when applying for provident fund loans.
What is the process of buying a house with provident fund loans?
The purchase process of provident fund loan is detailed as follows:
1, first trial
The housing provident fund management center conducts a preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount, loan period, etc. After passing the preliminary examination, the center will issue the Notice of Collateral Review and Evaluation.
Step 2 evaluate
The applicant holds the Notice of Collateral Examination and Evaluation to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated.
Step 3 review
The applicant holds the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center to the center for loan review. Meet the conditions, the center issued the "housing provident fund management center entrusted loan investigation notice".
4. Go through the guarantee formalities
The applicant holds the "Notice of Investigation on Entrusted Loan Guaranteed by Housing Provident Fund Management Center" and goes through the guarantee formalities 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
6, housing fund management center and the entrusted bank signed a loan agreement.
7, the borrower directly to the housing fund management center to apply for loans, the entrusted industry can collect the borrower's application materials according to the need, unified housing fund management center for approval.
8 housing fund management center approved the amount, duration and interest rate of each loan, and signed an entrusted loan contract with the entrusted bank.
9. According to the entrusted loan contract, the entrusted bank shall go through the loan procedures after signing the Mortgage Contract for Housing Provident Fund Entrusted Loan, the Pledge Contract for Housing Provident Fund Entrusted Loan and the Guarantee Contract for Housing Provident Fund Entrusted Loan with the borrower respectively.
10. The entrusted bank directly transfers the loan to the designated account opened by the seller in the entrusted bank.
Extended data:
Matters needing attention in buying a house with provident fund loan:
1. Before applying for provident fund loans, you must correctly evaluate your ability to purchase loans and make full preparations. There are some differences between provident fund loans and commercial loans. We must be clear about the requirements for applying for provident fund loans in advance, choose the types of individual housing loans, and the most important thing is to fully evaluate our repayment ability and repay in full as agreed.
2. Prepare loan materials, whether it is commercial housing or second-hand housing, or the unit raises funds to build a house. Find out what materials are needed and prepare them as required. Applicants may wish to make a list and prepare them one by one to avoid confusion.
3. The amount of provident fund loans cannot exceed the upper limit, and the total withdrawal cannot exceed the total amount of real estate. Moreover, the balance of the provident fund account cannot be used for the down payment of house purchase. If the amount of the provident fund loan is not enough to pay the house price, there is no need to give up the provident fund loan in a hurry. After the use of provident fund loans, the remaining housing prices can also use commercial loans.