New house provident fund loan (taking forward house as an example)
First, the required materials:
1, ID cards and household registration books of the applicant and the property owner;
2. Commercial housing sales contract;
3. The paid self-raised down payment voucher is generally the down payment;
4. Proof of income of the applicant and spouse;
5. Proof of marital status of the applicant and spouse (including single certificate);
6. Other required materials.
A copy of the above information is required, and the original should be brought with you when applying for and signing the contract for inspection.
Second, the provident fund loan steps
1. Calculate the loan amount and term.
Employees applying for provident fund loans can consult and handle through developers, loan undertaking banks or housing provident fund.
Step 2 apply for a loan
When purchasing a house, employees must apply for a loan from the provident fund loan undertaking bank, provide a copy of the above-mentioned required materials and bring the original for inspection.
Step 3 sign a contract
After the loan application is approved, sign the loan contract at the provident fund service hall as required.
4. Go through the formalities of house purchase transaction and mortgage registration.
5. Bank loans
After completing the mortgage formalities, the loan undertaking bank will lend money to the applicant according to the loan contract, and the funds will be directly transferred to the account designated by the developer.
Second-hand housing provident fund loan
First, the required materials
1, ID cards and household registration books of the applicant and the property owner;
2. Commercial housing sales contract;
3. The original of the purchased second-hand house property certificate and state-owned land use certificate.
(The above answers were published on 20 18-05-07. Please refer to the current actual purchase policy. )
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