First of all, you should confirm the transaction price and the way you intend to borrow, whether it is a provident fund loan (state-managed provident fund or municipal-managed provident fund) or a commercial loan.
The advantages of commercial loans are high speed, unlimited percentage and simple procedures. The disadvantage is that the relative interest rate is higher than the provident fund, and the annual interest rate is 4.4550%. The advantage of provident fund is low interest rate, with an annual interest rate of 3.87%. The disadvantage is that the speed is slow, the procedures are cumbersome, and the loan has an upper limit.
Let's start with commercial loans:
First of all, you should ask the credit departments of local banks (CCB, ABC, BOC, etc.). ) About the maximum amount of your loan (or your loan period). Please tell us the specific location of the house, year of completion, decoration, orientation, transportation, shopping, medical care, school, transaction price, and your age (male can't be higher than 60, female can't be higher than 55). The bank or appraisal company will give you an estimated loan amount and down payment amount, as well as the loan period and monthly repayment amount. If you think there is no problem with the estimation, you can go to the next step.
First, sign a formal sales contract and supplementary agreement with the owner, pay the deposit, get the deposit receipt signed by the owner, and apply for a loan at the bank you confirmed before. The bank will first arrange an appraisal company to evaluate the house and issue an appraisal report within 3 working days. (For example, your transaction price is 6,543.8+0,000, but the bank will not give you a loan according to your transaction price of 6,543.8+0,000. Instead, we will arrange an appraisal company to appraise the house and get a loan from the appraised price, such as the transaction price 1 10,000 and the appraised price of 800,000. After the evaluation report is issued, you can determine the amount of your loan. The conversion method is that the transaction price-the amount of the loan paid = your down payment. At this time, you have to prepare your down payment. When your down payment is ready, let the owner go to the loan bank to transfer the down payment to the owner. Those who need to be present (the borrower's ID card, household registration book and marriage certificate, and the landlord and spouse bring household registration book, ID card, household registration book and marriage certificate) can wait for the loan approval.
The bank will inform you and the landlord to approve the loan within 3-7 working days after you sign the formal loan contract. After receiving this notice, transfer can be arranged. When transferring money, you should bring all the above materials, and the bank will arrange a special person to be present. After paying all taxes and fees, the transfer is completed. At this time, the bank will take your house book to the bank for mortgage, and the loan will be paid to the owner's account in one lump sum within 3-7 working days after the mortgage transfer. After the transfer or the day before, you should ask the owner to settle the property fee, heating fee, water, electricity, gas and other expenses. Pay attention to the local police station and ask whether the original owner's account has moved out.
The process of provident fund is complicated, so I won't do it by hand. I copied the provident fund loan in detail in my space. Please read it carefully and you will understand:
First of all, please determine whether you belong to the municipal provident fund or the state-run provident fund. I will introduce the specific determination in detail as follows:
What is a provident fund loan?
Housing provident fund management center personal housing guarantee entrusted loan, also known as provident fund loan, is a policy guarantee entrusted loan issued by housing provident fund management center to employees who purchase (self-built, renovated or overhauled) houses. The entrusted bank for loan issuance shall be provided by the borrower or a third party with the guarantee method meeting the requirements of the management center.
Classification of provident fund
1. Municipal Provident Fund
The company registration number is the ID number plus two zeros.
Such as:110xxxxxxxxxxxxx00.
Classification of provident fund loans
2. State-managed provident fund
The company registration number starts with 5 12 or 502.
Such as: 512xxxxxxxxx
502XXXXXXXXX
Classification of provident fund loans
3. Zhongzhi Provident Fund Loan
In the housing provident fund management center, in * * *
Retired workers who have paid housing provident fund in the Central directly under the authority Sub-center. Or other loans that meet the requirements of the branch center and are confirmed according to the relevant provisions of the state.
Classification of provident fund loans
4. Portfolio loan
Only the clients of state-managed provident fund loans can apply.
Consortium lending
Classification of provident fund loans
5. Discounted loans
Only customers with municipal provident fund loans can apply.
soft loan
3. Necessary conditions for the borrower to pay the provident fund.
The opening date of the provident fund account is 365 days, and the accumulated provident fund deposit is more than 12 months (inclusive), and the current deposit status is normal, and the previously applied provident fund loan has been paid off.
4. Expenses incurred by provident fund loans.
1. Assessment fee
Appraisal fee = appraisal price ×3‰ (minimum 300 yuan/single 1500/ single cap)
This calculation method is applicable to all provident fund loans.
4. The expenses incurred by the reserve loan.
2. Guarantee fee
Municipal accumulation fund
Guarantee fee = loan amount ×5‰
B state-owned provident fund
Guarantee fee = loan amount × 3 ‰+ 170
C portfolio loan
Guarantee fee = 1500 yuan/Zhang.
discount loan
Guarantee fee = calculated according to the rate table.
Five provident fund loan process
1. city provident fund loan process
Appraisal-down payment-preliminary examination-face-to-face signing-transfer-loan-obtaining deed tax ticket and appraisal report-issuing real estate license-transfer to guarantee center for mortgage.
Five provident fund loan process
2. State-managed provident fund loan process
Appraisal-issuing appraisal report-paying down payment-preliminary examination-approving loan-transfer-(see deed tax ticket) face-to-face signing-lending-issuing real estate license-guarantee center mortgage.
Five provident fund loan process
3. The loan process of Zhongzhi Provident Fund
Evaluation-Preliminary Examination-Loan Approval-Transfer-(See Property Ownership Certificate) Face-to-face signing-Lending-Mortgage of Guarantee Center
Five provident fund loan process
4. Portfolio loan process
Evaluation-Preliminary Examination-Loan Approval-Face-to-face signing of commercial loans-Loan approval of commercial loans-Transfer-Issuance of certificates-Mortgage-Mortgage completion-Transfer of certificates of other rights to banks-Lending.
Five provident fund loan process
5. Discount loan process
Evaluation-Face-to-face signing-loan approval-transfer-loan-mortgage
6. Information required during the preliminary examination.
1. Customer: husband and wife ID card, household registration book, marriage certificate (temporary residence permit), education certificate, professional title certificate, asset certificate and appraisal fee.
2. Owner: Owner's ID card, real estate license and bank card.
Information needed for a seven-day interview
1. Customer: husband and wife's ID card, household registration book, marriage certificate, (temporary residence permit), borrower's repayment bank passbook or card (CCB card), and guarantee fee.
8. The age of the borrower
1. Municipal Provident Fund-18-70 years old
2. State-managed provident fund-18-70 years old
3. Zhongzhi Provident Fund-18-70 years old
4. Portfolio loan-male 18-65/ female 18-60
5. Discounted loan-18-65
Nine-year loan
1. municipal provident fund-my age+loan period ≤70
House age+loan period ≤47
2. State-managed provident fund-my age+loan period ≤70
House age+loan period ≤67
3. CIIC Provident Fund-my age+loan period ≤70
House age+loan period ≤67
4. Portfolio loan-my age+loan period ≤70.
House age+loan period ≤67
5. Loan discount-my age+loan period ≤70.
House age+loan period ≤67
How to determine the loan amount
1. Municipal Provident Fund
Up to 80%.
B calculation formula (individual deposit amount ÷ deposit ratio -400)
The monthly repayment amount corresponding to the customer's loan period.
The above amount shall be applied for loan according to the principle of the lowest.
D The maximum loan amount is 800,000 yuan, the personal credit rating AA rises 15%, that is, 920,000 yuan, and the AAA level rises by 30%, that is, 654.38 million yuan.
How to determine the loan amount
2. State-managed provident fund
A second-hand house can be loaned to 80% of those with lower evaluation price and contract price.
B the maximum loan amount shall not exceed 800,000 yuan.
C the monthly repayment amount cannot exceed half of the income.
How to determine the loan amount
3. Public accumulation fund
A second-hand house can be loaned to 80% of those with lower evaluation price and contract price.
B calculation formula (individual deposit amount ÷ deposit ratio -400)
The monthly repayment amount corresponding to the customer's loan period.
The above amount shall be applied for loan according to the principle of the lowest.
D the maximum loan amount is: 800,000 yuan,
How to determine the loan amount
4. Portfolio loan
A If you have had a commercial loan before, take the second house.
calculate
Part b provident fund loans are still subject to the provident fund policy.
Policy, the commercial loan part implements the commercial loan policy.
How to determine the loan amount
5. Discounted loans
A If you have had a commercial loan before, take the second house.
calculate
Part b provident fund loans are still subject to the provident fund policy.
Policy, the commercial loan part implements the commercial loan policy.
Eleven repayment methods
1. Repayment method of municipal provident fund without repayment.
2. State-managed provident fund repayment method-free repayment method
3. The repayment method of the central branch provident fund without repayment.
4. Repayment method of portfolio loan-free repayment of provident fund.
Repayment methods of some commercial loans
5. Loan discount repayment method-commercial loan repayment method
What is the free repayment method?
Free repayment of housing provident fund loans means that the housing provident fund management center determines the minimum repayment amount of each individual loan after consulting with the borrower to determine the amount and duration of the individual loan. The borrower can freely choose the monthly repayment amount according to his own economic situation if it is not lower than this minimum repayment amount.
Thirteen loan conditions
1. Apply for a loan after face-to-face transfer.
2. Provide the original and photocopy of deed tax ticket, acceptance notice or real estate license to the guarantee center to apply for a loan.
3. Yizhuang, Xuanwu, Tongzhou, Shijingshan, Mentougou, Shunyi and Fangshan all issued real estate licenses before applying for loans.
4. City Council Real Estate
A city management provident fund is to apply for a loan and issue a real estate license.
B the provident fund managed by the state applies for loans after issuing the real estate license and land certificate.
Relationship between real estate license and borrower
1. Couples can buy a house with only one real estate license. It doesn't matter whether the real estate license is a borrower or not.
2. Non-marital relationship must have ownership certificate, and it doesn't matter whether the borrower is a big certificate.
15 property ownership certificate and contract signing
The order of signing the contract is also the order of issuing the real estate license.
The order of signing the contract is: Zhang San and Li Si.
Then the big card of the real estate license is Zhang San's, and * * * has the right
The card belongs to Li Si.
16 foreigners buy houses in Beijing and use provident fund loans.
1. First of all, this customer must have a deposit record in Beijing.
2. If the deposit in Beijing is less than 12 months, a deposit certificate shall be issued at the original deposit place, and the cumulative requirement for the two places is 12 months.
3. Beijing Temporary Residence Permit
Other policies are the same as those in Beijing.
/kloc-can I still get a provident fund loan if I had a provident fund loan before 0/7?
1. municipal administration, state administration, and zhongzhi-as long as they are paid off, they can continue to make provident fund loans.
2. Portfolio loans and discount loans-according to the second set of policies.
/kloc-can I still get a provident fund loan if I had a commercial loan before 0/8?
1. Municipal and Zhongzhi-will not be affected.
2. State Management, Portfolio and Discount-If you have an expected record, you can
Can I get a loan?
Can the provident fund loan be repaid in advance?
1. Municipal Provident Fund-Call 96 155 to make an appointment in advance.
2. State-managed provident fund-make an appointment at the State-managed Center in advance.
3. CIIC Provident Fund-Call 96 155 to make an appointment in advance.
4. Portfolio loan-make an appointment in the state administrative center in advance.
5. Discounted loan-make an appointment at the loan bank in advance.
What if the client owner can't go through the relevant formalities in person?
The agent shall go through the relevant formalities with the notarial certificate, and the format of the notarial certificate is the fixed version of the provident fund. The client must be present in person at the preliminary examination, and the agent can handle the notarization interview.
2 1 customer and owner get married, can they only go through the relevant formalities?
1. Municipal preliminary examination A: Entrust the owner to be present in person.
B. Face-to-face signing: The owner does not have to be present, but the client and his wife are present.
2. State management A first trial: the customer is present in person, and the owner does not have to be present.
B. Face-to-face signing: the client's husband and wife are present, but the owner does not have to be present.
3. Zhongzhi A first trial: the client boss was present in person.
Interview: The client's husband and wife are present.
4. Preliminary review of portfolio A: customers and owners do not have to be present.
B face-to-face: both the husband and wife and the owner are present.
5. Discount for initial inspection;
B face-to-face: both the husband and wife and the owner are present.
What is the maximum amount of a single loan?
1. Municipal: maximum loan is 800,000 yuan, and personal credit is AA.
Floating 920 thousand yuan, AAA level floating to 6.5438+0.04 thousand yuan
2. State management: the maximum loan is 800,000 yuan.
3. Unity: the maximum loan is 800,000 yuan, and the personal credit is AA.
Floating 920 thousand yuan, AAA level floating to 6.5438+0.04 thousand yuan
4. Combination: minimum 8 1 1,000 yuan.
5. Discount: higher than the loanable amount of the customer's provident fund.
Twenty-three unmarried customers can * * * with housing loans?
Yes, the property certificate must show the names of all buyers.
Is it okay that the contract price of the transfer is different from the contract price of the loan application?
Absolutely not (except discount loans)
Do the owners have minors who can get loans?
1. Municipal: Yes, a guardianship certificate is required.
2. State management: None.
3. Unity:No..
4. combination: no.
5. Offer: Yes, minors need ID cards.
26 borrowers are retirees who have paid the provident fund during their employment. Can they still apply for loans?
Yes, if the borrower's provident fund is in a normal state, it can be operated according to normal procedures. If the borrower's provident fund has been withdrawn and cancelled, the customer needs to issue a deposit certificate of the provident fund to the unit.
The borrower's age+loan period cannot exceed 70 years (whichever is older for husband and wife).
Twenty-seven according to the customer's deposit ratio to calculate the customer's maximum loan amount.
Formula: (customer deposit amount ÷ deposit ratio -400) ÷ monthly repayment amount corresponding to customer loan years.
Example: 2 15 yuan is deducted from the customer's salary, and the unit contribution ratio is 12%. If the customer asks for a loan for 30 years, calculate the loan amount of the customer.
Calculation: (215 ÷12%-400) ÷ 51.2 = 27.18
A: According to the deposit ratio, the maximum loan for customers is 27 1 1,000 yuan.
Twenty-eight according to the customer's deposit ratio, the customer's maximum loan amount is 800,000 yuan. Can you directly promise the customer a provident fund loan of 800,000 yuan?
Can't promise, but also confirm whether the contract price and evaluation price can meet the loan requirements of 800,000 yuan.
29. Only one spouse has a provident fund. Can I get a provident fund loan? Whose real estate license do you need?
Only one of the client's husband and wife can apply for provident fund loans, and the real estate license can be issued by either party.
Can the customer withdraw the provident fund during the repayment period?
can
3 1 Can provident fund loans be supervised by funds?
Yes (supervised by China Bank Dongcheng Sub-branch)
Can the provident fund loan be placed in the name of someone other than the owner or loan company?
1. Municipal: No.
2. State management: it must be notarized before it can be placed under the name of a non-property owner.
3. Unity:No..
4. Combination: It must be notarized before it can be placed under the name of the non-property owner.
5. Discount: None.
Last month, 33 customers raised the deposit amount of provident fund. Can I calculate the loan amount with the new deposit amount immediately?
No, because the provident fund management center only adjusts once a year in July, so the new deposit amount will not take effect until the provident fund management center adjusts it.
Thirty-four customer repayment date
The repayment date of the customer is the loan date of the provident fund loan, which means that the same day of each month is the repayment date of the loan customer.