As we all know, you can get a loan when you buy a house, so it will be more convenient for some people to have a provident fund. Buying a house with a provident fund loan can save you a lot of money and reduce economic pressure. So * * * provident fund must be paid. What needs special explanation is that you can also use provident fund loans to buy second-hand houses. So how to use provident fund loans to buy second-hand housing? How is the process? Today, Bian Xiao will give you a detailed introduction of the process, hoping to help you.

The borrower directly applies for a loan from the municipal capital center.

Its handling process: go to the "center" for consultation and registration? →? Submit application materials? → Has the center passed the acceptance? →? Transaction transfer between buyers and sellers? →? Sign a contract with the bank? →? Apply for mortgage registration? →? Loan funds are issued? →? The borrower repays on a monthly basis? → Settle the loan → Cancel the mortgage.

Step one? Consult and get the application form in the "center": the buyers and sellers of the house and their spouses (if unmarried or divorced, certificates should be issued) pre-register in the city financial center with the original of the house ownership certificate, the original of the state-owned land use certificate and the original of the household registration book, ID card and marriage certificate, and get the application form for provident fund loan.

Step two? The borrower shall submit the following loan information to the municipal capital center:

(1) provident fund loan application form; (2) proof of deposit of provident fund (or household registration book of housing provident fund) and proof of economic income; (3) the evaluation report of the purchased house; (4) The stock house sales contract signed by the buyer and the seller; (5) Real estate license and state-owned land use certificate in the name of the original seller (original and photocopy); (6) Both husband and wife's ID card, household registration book and marriage certificate (original and photocopy, and single employee shall provide single certificate. )

Step three? "Center"? Acceptance and approval: the municipal capital center accepts the information of loan applicants, and approves and determines the loan amount and term.

Step four? Transaction transfer:? The buyers and sellers of houses go to the real estate bureau and the Land and Resources Bureau to handle the transfer procedures of the "two certificates" transaction.

Step five? Signing: The borrower presents the "two certificates" of transaction transfer and the deed tax payment invoice (original and photocopy) to the municipal capital center, and the municipal capital center issues a loan commitment letter to the designated bank to sign loan documents such as loan contract and mortgage contract, and the seller opens a special deposit account in the loan bank.

Step six? Mortgage: the borrower goes to the real estate bureau to register the mortgaged house and get the real estate license.

Step seven? Lending: After all the loan procedures are completed, the municipal capital center will directly transfer the loan funds to the deposit account opened by the seller through the bank.

Inside.

Step eight? Monthly repayment: the borrower repays the principal and interest of the loan on a monthly basis according to the loan contract until the loan is fully paid off.

Step nine? Settlement of loan: After the borrower settles the last loan, I personally go to the loan bank counter to go through the repayment settlement procedures.

Step ten? Mortgage cancellation: After the borrower has repaid all the loan principal and interest, he will go through the mortgage registration cancellation formalities with the original real estate mortgage registration department with the settlement certificate and mortgage cancellation certificate issued by the loan bank, the original house purchase contract or real estate license and personal ID card.

The above is the whole content of the loan process of purchasing second-hand housing provident fund that Bian Xiao will introduce to you today. I believe that after reading it, everyone has a certain understanding of how to buy a second-hand house for provident fund loans. As can be seen from the above process, the procedures for purchasing second-hand houses with provident fund loans are quite complicated. Therefore, everyone must refer to the above steps, complete them step by step, and prepare all the necessary materials, otherwise it will be their own trouble in the end.

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