Provident fund renovation loan is another form of provident fund loan mortgage to buy a house. In detail, in addition to normal provident fund loans to buy a house, individual home buyers can also apply for provident fund decoration loans based on the area of ??the house purchased and in accordance with established standards per square meter (specific standards are determined based on the actual implementation of each location). The total loan amount shall not exceed A certain proportion of the total price of the house and the upper limit of the personal provident fund loan amount stipulated by each city. Let’s take a look at the housing provident fund renovation loan conditions.

1. Provident Fund decoration loan conditions

1. Real estate certificate (only existing houses are eligible to apply)

2. Identity card of the owner of the real estate certificate

3. Household register and marriage certificate (if you are unmarried, you need to go to the Civil Affairs Bureau to issue a single certificate)

4. The housing provident fund account number applied by the borrower

5. If the property is in There are also bank loans, and the last bank statement (repayment record) must be provided

6. House decoration contract, budget book and decoration down payment invoice signed with the decoration company

2. General procedures for handling provident fund decoration loans

1. The borrower applies for a loan to the housing guarantee company and submits relevant certificates and information for verification;

2. The bank After the borrower's certificates and materials are reviewed and passed, the borrower will sign a decoration contract with the decoration company and hand over the original contract to the bank;

3. The borrower and the borrower sign the "Loan Contract" and the corresponding Guarantee contract. Borrowers who use their homes as mortgages should go through the notarization of the "Personal Housing Mortgage Contract", mortgage housing insurance and real estate mortgage registration procedures;

4. The bank has completed the loan guarantee procedures or collected the "Certificate of Other Rights to Real Estate" Then go through the loan procedures;

5. The bank is entrusted by the borrower to transfer the loan to the bank designated by the decoration company to open an account in the name of payment for decoration within the time stipulated in the loan contract.

The above is the general process for handling through banks. The specific handling process may vary from place to place. You should prepare in detail and understand it fully before handling.

3. Other issues that should be paid attention to when applying for provident fund decoration loans

If you want to apply for a decoration loan, you must know more about this aspect. In addition to the content introduced above, you also need to understand You should pay attention to the following issues:

1. If you have already obtained a commercial housing mortgage loan, you can also apply for a provident fund decoration loan for house decoration, but under normal circumstances, the loan amount applied for is added to the original mortgage loan. It cannot exceed 70% of the total price of the house. The specific standards are implemented according to the actual situation of each place. For example, in the previous case of Ms. Ge, the maximum amount should be 45,000 (35×70-20=4.5).

2.? The advantage of provident fund decoration loan is not only that it is convenient and fast to apply for, but also the interest rate is the same as the provident fund house purchase loan interest rate, which is more than 1 percentage point lower than the commercial loan interest rate. It is more cost-effective to save interest and the repayment method is free and flexible. .

3. In the process of applying for a provident fund decoration loan, there will be related fees such as evaluation fees, handling fees, and professional guarantee fees, so you must be prepared before applying.

I believe that after the above introduction, you already have a certain understanding of it. If you or your family encounters problems with house decoration funds, you may wish to consider provident fund decoration loans, which not only saves interest, but also eliminates the need for home decoration. I borrowed money here and there and asked for help. Of course, you still need to consult more during the specific process, learn more about the relevant departments or professionals in your location, avoid taking detours, complete the decoration as soon as possible, and move into your new house.

The above are the housing provident fund renovation loan conditions introduced by the editor. I hope it can help you. For more information about provident fund decoration loans, please continue to pay attention to Tubatu Decoration Network.

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