Provident fund loan processing flow:
1. Written application
Lenders applying for housing provident fund loans must submit a written application to the bank, fill in the application form for housing provident fund loans, and truthfully provide the following information:
(a) the applicant and his spouse's housing provident fund deposit certificate;
(2) Identity documents of the applicant and his spouse (referring to valid residence documents such as resident identity cards and household registration books) and proof of marital status;
(three) the family has a stable economic income and other proof of creditor's rights and debts that affect the repayment ability;
(4) Effective documents such as purchase contracts and agreements;
(5) List of collateral used for guarantee, certificate of ownership, certificate of consent of the disposing party to the collateral, and certificate of collateral evaluation issued by relevant departments;
(six) other materials required by the provident fund center.
2. Bank acceptance review
Banks will promptly accept and review loan applications with complete information and submit them to the provident fund center in time.
3. Lending approval
Provident fund center is responsible for loan approval, and will promptly notify the bank of the approval results.
4. Loan procedures
The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and husband and wife sign loan contracts and related contracts or agreements with the bank, and send the loan contracts and other procedures to the provident fund center for review. For funds, the entrusted bank will issue loans in full and on time according to the loan contract.
V mortgage registration procedures
If the house mortgage is used as a guarantee, the borrower shall go through the formalities of real estate mortgage registration at the real estate management department where the house is located. The mortgage contract or agreement shall be signed by both husband and wife. Or the joint center.
How to use the housing provident fund loan to buy a house
There are two ways to buy a house loan, one is a commercial loan and the other is a provident fund loan. It is very favorable to buy a house with provident fund loans, so people who have provident fund loans will use provident fund loans to buy a house. So how to use the provident fund when buying a house? The following small series will introduce you to the process of buying a house with a provident fund!
How to use the housing provident fund to buy a house?
1. First, apply to the provident fund management center to use the provident fund loan, and fill in the application form as required to provide the information needed for the loan.
2, provident fund management center to investigate the applicant's information and the applicant's credit, and then give advice.
3. After the preliminary examination of the provident fund management center, the loan undertaking bank conducts a pre-loan credit survey, puts forward opinions, and then fills in the "Approval Form for Individual Housing Provident Fund Loans and Portfolio Loans" and sends it to relevant personnel for approval.
4. After approval, the applicant will bring relevant information to the loan bank to sign the provident fund loan contract.
5. After signing the loan contract, go through the insurance and mortgage registration formalities according to the regulations.
6. After the loan contract comes into effect, the bank will transfer the loan to the account designated by the borrower and the borrower on the date agreed in the contract, and send the loan receipt to the borrower.
What should I pay attention to when using provident fund loans?
1. Do you have the conditions to apply for provident fund loans?
The conditions of provident fund loans vary from place to place. Before you get a loan, you must find out whether you have the application conditions. General provident fund shall be paid continuously for more than 12 months, and the number of interruptions shall not exceed 3 times.
2. Is the information ready?
Prepare the materials before the provident fund loan. City provident fund loans require lenders to prepare ID cards, household registration books, house purchase contracts, education certificates, marriage certificates, down payment invoices, etc. Divorced people need to provide divorce agreement or divorce certificate, and widowed people need to provide death certificate. Applicants for state-managed provident fund loans are required to provide ID cards, household registration books, purchase contracts, application forms, down payment invoices, etc.
Bian Xiao concluded: The above is about how to use the housing provident fund when buying a house. I hope it will help everyone.
The process of using housing provident fund loan to buy a house
The purchase process of provident fund loan is detailed as follows:
1, first trial
The housing provident fund management center conducts a preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount, loan period, etc. After passing the preliminary examination, the center will issue the Notice of Collateral Review and Evaluation.
Step 2 evaluate
The applicant holds the Notice of Collateral Examination and Evaluation to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated.
Step 3 review
The applicant holds the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center to the center for loan review. Meet the conditions, the center issued the "housing provident fund management center entrusted loan investigation notice".
4. Go through the guarantee formalities
The applicant holds the "Notice of Investigation on Entrusted Loan Guaranteed by Housing Provident Fund Management Center" and goes through the guarantee formalities according to the guarantee method he chooses. If mortgage guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution.
5. Sign a loan contract
6, housing fund management center and the entrusted bank signed a loan agreement.
7, the borrower directly to the housing fund management center to apply for loans, the entrusted industry can collect the borrower's application materials according to the need, unified housing fund management center for approval.
8 housing fund management center approved the amount, duration and interest rate of each loan, and signed an entrusted loan contract with the entrusted bank.
9. According to the entrusted loan contract, the entrusted bank shall go through the loan procedures after signing the Mortgage Contract for Housing Provident Fund Entrusted Loan, the Pledge Contract for Housing Provident Fund Entrusted Loan and the Guarantee Contract for Housing Provident Fund Entrusted Loan with the borrower respectively.
10. The entrusted bank directly transfers the loan to the designated account opened by the seller in the entrusted bank.
Extended data:
Matters needing attention in buying a house with provident fund loan:
1. Before applying for provident fund loans, you must correctly evaluate your ability to purchase loans and make full preparations. There are some differences between provident fund loans and commercial loans. We must be clear about the requirements for applying for provident fund loans in advance, choose the types of individual housing loans, and the most important thing is to fully evaluate our repayment ability and repay in full as agreed.
2. Prepare loan materials, whether it is commercial housing or second-hand housing, or the unit raises funds to build a house. Find out what materials are needed and prepare them as required. Applicants may wish to make a list and prepare them one by one to avoid confusion.
3. The amount of provident fund loans cannot exceed the upper limit, and the total withdrawal cannot exceed the total amount of real estate. Moreover, the balance of the provident fund account cannot be used for the down payment of house purchase. If the amount of the provident fund loan is not enough to pay the house price, there is no need to give up the provident fund loan in a hurry. After the use of provident fund loans, the remaining housing prices can also use commercial loans.