When buying a house, many people want to buy it through loans, which can also make their families have a more comfortable environment, and loans to buy a house can also alleviate some economic pressures. So can Panjin use provident fund loans to buy self-occupied housing? What is the procedure? Let's take a look at my related introduction and narration first. When buying a house, many people want to buy it through loans, which can also make their families have a more comfortable environment, and loans to buy a house can also alleviate some economic pressures. So can Panjin use provident fund loans to buy self-occupied housing? What is the procedure? Let's take a look at my related introduction and narration first.

Can Panjin use provident fund loans to buy self-occupied commercial housing?

The purchase of Panjin self-occupied commercial housing can use provident fund loans, and buyers can apply for provident fund loans if they meet the following conditions:

1. The Panjin borrower has an urban hukou;

2. I and my unit have paid the housing provident fund in full and on time in this city for more than one year (from the back to the front);

3. Have a stable professional income, good credit and the ability to repay the principal and interest of the loan;

4. There is a legal contract or agreement for the purchase of self-occupied housing in Panjin, and there is a prescribed proportion of self-raised funds;

5. The assets stipulated in the Guarantee Law are mortgage or pledge of loans;

6. Agree to handle Panjin property guarantee or mortgage property insurance;

7. Agree to other conditions stipulated by Panjin Housing Provident Fund Management Center.

What procedures does Panjin need to use provident fund loans to buy self-occupied commercial housing?

1. Preliminary review: Panjin Housing Provident Fund Management Center conducts preliminary review 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 a notice of mortgage review and evaluation.

2. Appraisal: The applicant holds the Notice of Collateral Examination and Appraisal to the appraisal institution designated by Panjin Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated.

3. Review: The applicant will go to the center to review the loan with the evaluation report issued by Panjin evaluation agency and the preliminary materials required by the center. Meet the conditions, the center issued the "housing provident fund management center entrusted loan investigation notice".

4. Handling the guarantee procedures: The applicant shall handle the guarantee procedures according to the guarantee method chosen by himself with the Notice of Investigation on the Entrusted Guarantee Loan of the Housing Provident Fund Management Center.

5. Sign a loan contract.

6 Panjin Housing Provident Fund Management Center signed an entrusted loan agreement with the entrusted bank.

7 Panjin borrowers apply for loans directly to the housing provident fund management center, and the entrusted industry can summarize the borrower's application materials as needed and submit them to the housing provident fund management center for approval.

8 Panjin Housing Provident Fund Management Center shall sign an entrusted loan contract with the entrusted bank after verifying the amount, term and interest rate of each loan.

For friends who buy a house in Panjin, if they want to apply for provident fund loans, it is recommended to consult the provident fund management center according to local policies and buy a house according to the process. That's all. Can Panjin use the provident fund loan to buy its own house? What is the procedure? I hope it will help Panjin's friends to buy a house.