What are the loan terms of the provident fund 20 19?
1, the lender needs to be a town account; The unit has paid the housing provident fund in full and on time for more than one year; The lender has stable professional income and good credit, and has the ability to repay the loan; There is a legal contract or agreement for the purchase of owner-occupied housing, and there is a prescribed proportion of self-raised funds; The assets stipulated in the guarantee law are mortgage or pledge of loans; Agree to apply for house purchase guarantee or mortgaged property insurance; Agree to other conditions stipulated in the housing provident fund management.
2. Need to provide proof of income: proof of income, that is, proof of salary, needs to be issued by the work unit, which is generally the responsibility of the personnel department. Here, Zhihui Rubik's Cube would like to remind that some friends are already in a state of resignation or have just joined a new company when applying for a loan. In this case, banks generally will not agree to apply for provident fund loans.
3. Proof requirements of provident fund loan income: the salary amount should be truthfully filled in, and the amount filled in is subject to the actual salary; If it is necessary to affix the seal of the unit wage department or the official seal of the unit, the subject name of the seal must be consistent with the name of the unit housing provident fund account; The certificate was issued in the month or last month of the application date; Try to use printed copies of income certificates to avoid mistakes.
What is the process of handling provident fund loans?
1. The Housing Fund Management Committee will conduct a preliminary examination of the materials submitted by the lender, including the lender's loan qualification, loan amount, loan term, etc. After the first trial is passed, a notice of mortgage review and evaluation will be issued.
2. The lender may, after receiving the collateral evaluation notice, go to the designated evaluation institution to evaluate the value of the purchased house, but it should be mentioned here that the affordable housing does not need to be evaluated.
3. The lender shall review the loan with the appraisal report issued by the appraisal institution and the required preliminary examination materials. Qualified, issued by the "housing fund management guarantee entrusted loan investigation notice".
4, the applicant with the "housing fund management guarantee entrusted loan investigation notice", according to their own situation to choose the guarantee program. 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. You can sign a loan contract with a loan. Housing fund management signed an entrusted loan agreement with the entrusted bank.
Handling provident fund loans does not mean that anyone can apply. This requires certain conditions. If you meet this requirement, you can apply for the above. It is about what is the provident fund loan condition 20 19, and what is the relevant introduction of the provident fund loan handling process. Before handling provident fund loans, everyone should pay attention to the basic process, so it will be more convenient and fast to handle.