Buying a second-hand house can apply for a provident fund loan:
1. The borrower directly applies for a loan from the municipal capital center. Processing flow:
The first step is to consult in the center and get the application form: the buyers and sellers of the house and their spouses (unmarried or divorced, they should issue certificates) pre-register in the city financial center, and get the application form for provident fund loan in the name of the seller with the original house ownership certificate, state-owned land use certificate, household registration book, ID card and marriage certificate.
Step 2: The borrower shall submit the following loan information to the municipal capital center:
(1) provident fund loan application form;
(2) proof of deposit of provident fund (or household registration book of housing provident fund) and proof of economic income;
(3) the evaluation report of the purchased house;
(4) The stock house sales contract signed by the buyer and the seller;
(5) Real estate license and state-owned land use certificate in the name of the original seller (original and photocopy);
(6) Both husband and wife's ID card, household registration book and marriage certificate (original and photocopy, and single employee shall provide single certificate. )
Step 3: Acceptance and approval by the "center": the municipal capital center accepts the information of loan applicants, and determines the loan amount and term after approval.
The fourth step is transaction transfer: the buyer and the seller go to the real estate bureau and the Land and Resources Bureau to handle the transfer procedures of the "two certificates" transaction.
Step 5: Sign the contract: the borrower holds the transferred "two certificates" and deed tax payment invoice (original and photocopy), the municipal capital center issues a loan commitment letter to the designated bank, signs loan documents such as loan contract and mortgage contract, and the seller opens a special deposit account in the loan bank.
Step 6: Mortgage: The borrower goes to the real estate bureau to register the mortgaged house and get the real estate license.
Step 7: Lending: After all the loan procedures are completed, the municipal capital center will directly transfer the loan funds to the deposit account opened by the seller through the bank.
Step 8: Monthly repayment: The borrower repays the loan principal and interest on a monthly basis according to the loan contract until the loan is fully paid off.
Step 9: Settle the loan: After the borrower settles the last loan, I personally go to the loan bank and go through the repayment settlement procedures at the counter.
2.202 1 How long does it take for the second-hand housing provident fund loan in Chongqing?
The loan application materials are complete, and the review time shall not exceed 10 working days; If the loan conditions are met, the loan period shall not exceed 5 working days after the mortgage registration is completed. The undertaking bank is responsible for reviewing and arranging the loan amount and issuing it in time.
General provisions on housing provident fund loans
I. Loan amount
1. Maximum
The personal maximum amount of provident fund loans shall not exceed 400,000 yuan, and the spouse shall not exceed 1.5 times (600,000 yuan) of the personal maximum amount after participating in the loan.
2. Maximum loan percentage
The maximum loanable ratio of provident fund loans is 80% of the value of the house purchased.
3. Loanable amount
Third, the first set of second-hand housing provident fund loans in Chongqing
Legal subjectivity:
Chongqing second-home provident fund loan policy: 1, the personal loan amount of housing provident fund personal housing loan is 25 times of the balance of housing provident fund account, with a maximum personal loan amount of 500,000 yuan and a maximum personal loan amount of 600,000 yuan for families with many children; The loanable amount of loans jointly participated by husband and wife shall be paid to employees and their spouses, and the total amount of a single housing provident fund loan shall not exceed 6,543,800 yuan; The total loan for families with many children does not exceed 6,543,800 yuan+200,000 yuan. 2. If the employee's family deposits the employee to purchase the first set of housing, the maximum loan ratio of the housing provident fund personal housing loan is 80% of the value of the purchased housing. 3. If the employee's family pays the employee to buy a second house, the maximum loan ratio of the housing provident fund personal housing loan is 70% of the value of the house purchased, and the maximum loan ratio of the family with many children is 75% of the value of the house purchased.
Legal objectivity:
Second-hand housing provident fund loan process: 1. Applicants who meet the conditions of the first trial loan will go to Qingdao Housing Provident Fund Management Center for business consultation with their own and spouse's ID cards. According to the applicant's provident fund deposit, house price and housing completion years, the staff initially calculated the loanable amount and years, and issued the Qingdao Housing Provident Fund Loan Application Approval Form to eligible applicants. Two. Surveying and mapping evaluation (1) The buyer shall go to Qingdao Real Estate Trading Center 1 ~ 9 with a copy of the ID card and real estate license of the house he purchased to conduct surveying and mapping for listing qualification review. (2) The buyer and the seller go to the designated housing appraisal agency.
Fourth, how long can the second-hand housing provident fund loan be released?
Second-hand housing provident fund loans are generally 15 to 30 days.
According to the relevant laws and regulations of our country, employees who pay housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.
At the same time, it is stipulated that applicants who apply for public housing loans and gold loans should provide guarantees.
legal ground
Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.