1. What are the procedures for the provident fund to purchase a house in a different place?
First of all, please go to the bank to understand the relevant situation. And bring relevant information to the bank to apply for personal housing loans.
Local tax payment certificate or social insurance payment certificate of more than 1 year is required to handle the formalities of buying a house in a different place. Non-local residents who cannot provide local tax payment certificates or social insurance payment certificates over 1 year apply for housing loans, and the lender will implement the second (or above) differentiated housing credit policy, that is, the down payment and loan interest rate may increase.
The Lender provides: the household registration certificate provided by the public security organ where the household registration is located, the work post certificate issued by the unit, the income certificate, the local temporary residence permit, the local fixed contact address and contact information. The bank will check the credit history of the lender and so on.
Then accept the bank's review of you and determine the loan amount.
Next, you can apply for a loan contract and the bank will apply for insurance. Handle the registration and notarization of property right mortgage.
The last thing left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest.
Second, what problems should be paid attention to in the off-site loan of provident fund?
1, be sure to consult in advance.
It is an essential step to consult in advance for provident fund loans in different places. The policy of off-site provident fund loan has not been introduced for a long time, so it may be impossible to apply for off-site provident fund loan. Please consult clearly in advance.
2. Understand relevant policies
You also need to know the relevant policies of provident fund loans in different places, otherwise you may encounter many obstacles in the process of handling because of lack of necessary knowledge, and you are likely to fall into a trap.
3. Pay attention to the safety of funds
Generally speaking, when applying for provident fund loans in different places, the location is different from the place where you want to buy a house, which may lead to untimely information communication. At this time, you should pay special attention to the safety of funds, because you may not know immediately whether the other party is a real seller when you give the other party a loan.
What are the benefits of housing provident fund loans to buy a house?
1. Provident fund loan interest rate concessions. With the same loan amount and repayment period, compared with commercial loans, provident fund loans not only have shorter repayment time, but also have much less repayment interest.
2. The repayment of provident fund loans will be more flexible and convenient. The borrower can determine the monthly repayment amount, provided that the monthly repayment amount is not lower than the low repayment amount stipulated by the bank. In this way, the borrower can make a reasonable and feasible repayment plan according to his own economic strength, which is convenient for the borrower to arrange his monthly economic expenditure.
3. For the prepayment of provident fund mortgage loan, the borrower can repay part or all of the loan principal and interest in advance without paying any liquidated damages.
4. Provident fund loans have fewer restrictions on purchased houses. At present, major commercial banks have many restrictions on second-hand housing loans. It is difficult for banks to apply for housing loans for second-hand houses with excessive housing age, poor real estate location and poor liquidity. However, for the provident fund loan to buy a house, the bank has relatively few restrictions on the age of second-hand housing. Second-hand housing age and housing loan life add up to less than 50 years, you can apply for provident fund mortgage loans.