For some office workers, they want to buy a house with provident fund loans, but they don't know where to start. They are afraid that if the loan is not handled well, there will be trouble later. Well, once there is such doubt. For some office workers, they want to buy a house with provident fund loans, but they don't know where to start. They are afraid that if the loan is not handled well, there will be trouble later. Then once we have such doubts, we can all know what the process of buying a house with provident fund loans is. Secondly, we should also know whether to check the husband and wife's credit information when buying a house. Let's look at this problem.

What are the procedures for buying a house with a provident fund loan?

Preliminary examination: The Housing Provident Fund Management Center conducts a preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount and loan period. After passing the preliminary examination, the center will issue a notice of mortgage review and evaluation. Appraisal: The applicant takes the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated.

Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary materials required by the center. Go through the guarantee procedures: go through the guarantee procedures according to the guarantee method you choose. 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. Sign a loan contract.

Do you need to check the couple's credit information when buying a house?

Check the credit information of both husband and wife when buying a house. If a married person borrows money to buy a house, and one of the husband and wife has a bad credit record, the bank will refuse the loan. If one of the husband and wife repays three times in a row or six times in total within two years, the bank will also refuse to issue loans. When a bank lends money, the investigation of the lender's credit record is based on the family, and both husband and wife should ensure good credit information.

If the developer lacks the "State-owned Land Use Certificate" and the "Pre-sale Permit for Commercial Housing", he is not qualified to build a house on this land, even if it is illegal to build a house; And developers are not qualified to sell commercial housing. Buyers who buy this kind of house can't go to the Housing Authority for the record and can't get the real estate license. So from a legal point of view, even if you pay the house price, the house is still not yours!

I believe that after reading the knowledge mentioned in this article, you have already understood the procedures for buying a house with provident fund loans. Loans are mainly divided into three processes: preliminary review, review and final review. Passing the preliminary examination and review does not mean that you can pass the final examination, so you must not relax in this respect. We can follow the steps given above. In addition, we also know that we should check the husband and wife's credit information when buying a house.