In February, Huangdao introduced a new policy of buying houses and settling down. If a newly-built commercial house with a construction area of over 60 square meters (inclusive) is purchased in this district, and a certificate of immovable property rights is obtained and a stable income is obtained, its spouse, minor children or adult unmarried children may apply to settle in the place where the house is purchased. At present, the policy has been implemented and is valid until 20 17 12 3 1. After the introduction of the policy, the property market in Huangdao skyrocketed, and the property market was in a hot state, among which the transaction of second-hand houses was also gratifying. Many property buyers use provident fund to buy second-hand houses, so how to apply for second-hand housing provident fund loans?

1, treatment conditions

Having permanent residence or valid residence status within the administrative area of this Municipality;

Meet the deposit conditions of housing provident fund for applying for loans; The loan applicant has established a housing accumulation fund account for 12 months (i.e. 365 days), and the account was in a normal deposit state when applying for the loan, and it has been continuously deposited for 12 months in the recent 12 months.

There is a house purchase contract or agreement and relevant certification materials, and the down payment ratio of house purchase meets the specified requirements;

Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan according to regulations;

Agree to handle the loan guarantee and related procedures recognized by the provident fund center;

When the loan applicant purchases a new house, the development unit shall sign a loan cooperation agreement with the provident fund center; If the loan applicant buys a second-hand house (the second-hand house, the same below), the seller of the second-hand house (the original property owner) shall not be his spouse;

Neither the borrower nor the spouse has outstanding provident fund loans; For the second application for provident fund loan, the first provident fund loan must be settled for five years; Three or more provident fund loans will not be accepted.

2, the required application materials

"Qingdao Housing Provident Fund Loan Application Approval Form" (printed on the front and back); ? (1 serving? , issued by: Provident Fund Center? )

Proof of wage income (official seal of the unit); ? (1 serving? , issued by: work unit? )

2 copies of the applicant's ID card and copies of the index page and single page of the household registration book 1 copy (individual account single page is provided for collective account); Copy of spouse's ID card and household registration book 1 copy; Note: Applicants who are not registered in this city are required to provide valid residence certificates in this city. If you are married, you need to provide a copy of the marriage certificate. If the hukou can reflect the relationship between husband and wife, it is no longer necessary to provide a marriage certificate; If the applicant has never been married, divorced or remarried, or has been widowed or remarried, he shall sign a written statement on the spot. ? (2 copies? , issued by: police station where the household registration is located? )

One original of the house sales contract; ? (1 serving? Issued by: Real Estate Trading Center where the house is purchased? )

One original of the down payment receipt for house purchase; ? (1 serving? , issued by: the seller? )

Copy of the seller's ID card; ? (1 serving? , issued by: the seller? )

Copy of the seller's bank passbook (personal settlement account) 1 copy (signed and stamped by the seller); ? (1 serving? , issued by: the seller? )

Copy of the joint card of the applicant's provident fund (signed by handprint); ? (1 serving? , issued by: co-branded card bank? )

Two originals of the real estate appraisal report issued by the designated appraisal agency. ? (2 copies? , issued by: an appraisal institution registered in the provident fund center? )

If the loan applicant (spouse) cannot go through the loan formalities in person, he must go through the notarization formalities. The contents of the notarial certificate should not only make it clear that the trustee will handle the housing provident fund loan on his behalf, but also make it clear that the trustee will sign the authorization letter for the basic database of personal credit information on his behalf. ? (1 serving? , issued by: Notary Office? )

3. Treatment process

(The above answers were published on 20 16-04-06. Please refer to the current actual purchase policy. )

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