1. Second-hand houses with provident fund loans must not be small property houses, but only commercial houses, affordable housing and price-limited commercial houses;
2. Second-hand housing provident fund loans can pay a certain down payment, which is generally 30% of the total house price;
3. The total age of the borrower of the second-hand housing provident fund loan and the loan application period cannot exceed 65 years old;
4. If the housing age of the second-hand house with provident fund loan exceeds 15, the housing age plus the loan period cannot exceed 30 years.
Process:
1. Qualification examination of the purchaser: the qualification examination of the purchaser is based on the family, and the family members include the purchaser, his spouse and minor children; Seller's property verification: the results will be available within 10 days at the earliest.
2. Online sign: the purchaser needs to prepare the required materials first, and go to the corresponding district and county housing management bureau to get the number, arrange the number and fill in the form; If you are a buyer through an intermediary, you don't need to go to the scene in person.
3. Evaluation: Generally, it takes 5-7 working sunrise evaluation reports.
4. Preliminary examination: refers to the preliminary examination of the borrower's loan qualification by the provident fund loan department, and it is necessary to submit relevant materials to the loan bank to show that it meets the loan conditions.
5. Face-to-face signing: The buyer and the seller need to bring relevant materials to the bank for face-to-face signing, and sign various contracts and letters of guarantee with the bank.
6. Bank loan approval: Under normal circumstances, the municipal provident fund loan will be approved within 5-7 working days after the borrower personally signs it.
7. Sign a loan contract
8. Payment of taxes and fees: Taxes and fees that may be involved in housing transactions include deed tax, value-added tax and surcharges, personal income tax, comprehensive land price, land transfer fee, etc.
9. Transfer: the change of property rights shall be subject to the registration of real estate. If the house is illegal, sealed up or policy changes, it will affect the transfer of the house.
10, Bank Lending: Lending banks usually lend money within 15-20 working days after seeing the real estate registration certificate, but the time limit will be different due to different banking policies or urban areas.
Extended data:
Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to issue mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their working life.
According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.