Hello! Provident fund loans need ID card, credit report and personal income tax payment.

What materials do I need to apply for provident fund loans?

What materials do I need to apply for provident fund loans?

What materials do I need to apply for provident fund loans? Housing accumulation fund is a long-term housing deposit paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, private non-enterprise units, social organizations and their employees. Let's share what materials are needed to apply for provident fund loans.

What materials do I need to apply for provident fund loans? 1

What materials do I need to apply for provident fund loans?

1. 3 originals and photocopies of the ID card of the applicant and his spouse (the front and back of the ID card need to be copied, and the applicant and his spouse need to come together to sign the provident fund loan contract);

2. The original and two copies of the marriage certificate or divorce certificate (if the marriage certificate or divorce certificate is lost, it can be replaced if it is clearly marked in the household registration book);

3. The original and two copies of the commercial housing sales contract;

4. The original and two copies of the down payment receipt or invoice for house purchase;

5. The original and three copies of the real estate registration certificate (advance notice registration);

6. The applicant's own bank card or passbook (used when signing the repayment contract).

Remote loan customers need to provide:

1, certificate of deposit of housing provident fund in different places and details of deposit for 6 months;

2. Inquiry records of real estate information in different places (including the inquiry records of real estate information issued by real estate departments such as the place where the housing provident fund is remitted, the place where the applicant and spouse account, and the place where the house is purchased);

3. The bank account of the applicant or spouse to pay the house payment and the salary of the applicant and spouse.

What materials are needed to apply for provident fund loans 2.

1. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information:

Housing provident fund loan

(a) the applicant and spouse housing provident fund deposit certificate;

(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;

(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

(VI) The Provident Fund Center requires a third-party guarantor to provide a guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract.

(seven) other information required by the provident fund center.

2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time.

3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.

4. As a result, the bank will inform the applicant to go through the loan procedures, and the borrower and his wife will sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted loan funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.

Information and copies to be provided by the seller:

1, original and 3 copies of the second-generation ID card or military officer's card.

2. Original and 2 copies of the household registration book (home page and applicant's home page).

3. The original and two copies of the marriage certificate (marriage certificate, divorce certificate, single statement on the spot).

4 original and 3 copies of the property right of the house for sale.

What materials are needed to apply for provident fund loan 3

Housing accumulation fund handling process:

The newly established unit shall, within 30 days from the date of establishment, go to the housing provident fund management center for the registration of housing provident fund deposit and the establishment of housing provident fund accounts.

The housing provident fund paid by individual employees shall be deducted from their wages every month by the unit to which they belong, together with the part paid by the unit for employees, and shall be transferred to the designated bank account by the unit and the employee housing provident fund account by the management center. The unit shall, within 5 days from the date of monthly payment of wages to employees, handle the formalities for the deposit of housing provident fund for employees this month.

Units that establish the housing provident fund system shall conscientiously fulfill the obligations stipulated in the Regulations on the Administration of Housing Provident Fund and handle the registration of housing provident fund deposit for employees.

Units shall truthfully fill in the "Approval Form for the Basic Situation of Housing Provident Fund Deposit" and the "List of Changes in the Collection and Payment of Housing Provident Fund", go through the registration of housing provident fund deposit at the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for employees after being audited by the housing provident fund management center. Each employee can only have one housing provident fund account. The unit shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid.

1. A natural person with full capacity for civil conduct does not exceed the statutory retirement age stipulated by the state and has paid the housing provident fund in Chengdu Housing Provident Fund Management Center.

2. Employees with permanent residence in cities and towns or valid residence identification.

3. At the time of application, the housing provident fund has been normally deposited in the provident fund center for more than 6 months (inclusive), and the provident fund has not been withdrawn to pay the down payment for the purchased house, and there is no balance of provident fund loans.

4. There is a contract or agreement to purchase a house, and the down payment amount is not less than 30% of the value of the house purchased.

5. Have a relatively stable professional and economic income, have the corresponding repayment ability, and have a good personal credit.

6. Guarantee methods recognized by Chengdu Housing Provident Fund Management Center can be provided.

7. Other conditions stipulated by the provident fund center.

New housing provident fund personal loan application materials

1, original and 6 copies of the second-generation ID card or military officer's card.

2. Original and 6 copies of the household registration book (home page and applicant's home page).

3. The original marriage certificate (marriage certificate, divorce certificate, single statement on the spot) and 6 copies.

4. Two originals (three originals are required for suburban property) and three copies of the filing form stamped by the developer.

5. Two originals and two copies of the house purchase contract.

6. Two originals and two copies of the annex or supplementary agreement to the house purchase contract.

7. Original and 3 copies of down payment receipt and credit card POS or cash receipt.

8. The original and 1 copy of the borrower's family housing registration record information certificate (employees applying for loans in urban areas can print 2 copies of the family housing registration record query results at the consultation counter of the urban management department).

9. Provide a set of original advance notice registration procedures with fresh seal (not allowed to be altered) to the developer.

10, entrusted deduction (repayment) account: the original and 1 copy of the savings card or passbook of the loan handling bank selected by the main borrower.

1 1, proof of income: customers who have not paid the housing provident fund should provide the original proof of income (which can be downloaded from the center website) and three copies; Among them, customers with a monthly income of more than 3,500 need to provide the original and 3 copies of bank running water or tax payment certificate 1 year.

12. proof of deposit: employees who have paid the provident fund in provincial sub-centers and petroleum sub-centers must provide the original deposit details and proof of deposit (deposit inquiry form) and 1 copy of their housing provident fund accounts in the past six months, and the housing provident fund accounts should be in a normal state.

13, other relevant information required by the provident fund management center.

What are the procedures for housing provident fund loans?

When buying a house, most people will use provident fund loans. After all, the interest rate of provident fund loans will be lower than that of ordinary loans. Generally speaking, there will be a lot of expenses left. So what is the process of housing provident fund loan and what are the conditions of housing provident fund loan? You got it? Now let's have a look.

First, the housing provident fund loan procedures

1. The applicant submits relevant information and loan application form to the bank; 2, the bank staff to review the materials, and evaluate the value; 3, the applicant to fill in the loan certificate, and bring the contract to the unit seal; 4. The applicant shall submit all materials to the provident fund management center and submit them to the bank after examination; 5. After the loan is issued, the applicant will repay it on time.

Second, what are the conditions for provident fund loans?

1. To apply for provident fund loans, the most basic condition is that the borrower has a local town account.

2. Whether it is the provident fund paid by yourself or the provident fund paid by the company, it is necessary to ensure continuous payment of 1 year or more.

Individuals who apply for loans must have a stable job and a stable income.

4. Lenders need to print a credit report to see whether their credit is good and whether they have the ability to repay loans.

5. Before applying for provident fund loan, the buyer needs to sign a house sales contract or agreement with the developer, and it has been confirmed that there is a house purchase, and the provident fund loan is used for house purchase.

6. When choosing a loan, you need to be an asset recognized by the Guarantee Law, so that the probability of loan success will be greater.

7. If you want to apply for provident fund loans, you need to agree to handle "house purchase guarantee" or "mortgaged property insurance".

8. For other conditions stipulated in the provident fund management, the applicant needs to maintain an agreement attitude before applying for a loan.

What are the procedures for housing provident fund loans and what are the conditions for housing provident fund loans? Let me introduce it here first. You got it? When buying a house, if you are going to use the provident fund loan, you need to meet the conditions required for the loan first, and then follow the loan process step by step to protect your legitimate rights and interests.

What materials are needed for housing provident fund loans?

1. Materials required for housing provident fund loan: the household registration book of the borrower and his spouse; Resident identity cards of the borrower and his spouse; Proof of the marital status of the borrower; Proof of down payment for house purchase; Proof of income; Credit status report of the borrower and his spouse printed by the bank; Housing sales contracts or agreements that comply with the law.

2. Choose a good type of personal housing loan. At present, there are three kinds of loans: individual housing provident fund loans, individual housing portfolio loans and individual housing commercial loans. The interest rate of provident fund loans is the lowest, followed by portfolio loans, and commercial loans are the highest. Property buyers should pay attention to the fact that provident fund loans are only lent to employees who have established housing provident fund, and the maximum loan amount cannot exceed 390,000 yuan.

3. Try to repay individual housing loans flexibly. When many borrowers first took out loans, they had the idea of lending more points because they didn't know how much money they would make in the future. In recent years, with the increase of income, the repayment ability has been greatly improved, but the loan interest has also increased. Therefore, if the ability permits, those who can pay off the loan in advance should pay it off as soon as possible, so that they can also ask the insurance company to refund the premium in the early stage.