Guide to housing provident fund loans
(1) Consultation of loan applicants
The loan applicant goes to the loan handling department or calls the loan handling department to consult the housing provident fund loan and prepare the relevant materials for the housing provident fund loan.
(two) the loan applicant to the loan handling department for preliminary examination and related evaluation.
1. The loan applicant shall go to the loan handling department to conduct the preliminary examination of the provident fund loan with the materials required for the housing provident fund loan application.
2 in accordance with the provisions of the need for personal credit assessment of the loan applicant, the loan applicant shall sign the "credit assessment authorization" under the supervision of the staff of the loan handling department.
3. The staff of the loan processing department prints relevant documents and tells the loan applicant how to handle the next procedure.
4. If the house purchased by the loan applicant needs to be assessed according to the regulations, the staff of the loan handling department will also issue a notice of collateral assessment to the loan applicant, and the loan applicant or entrusted agent will apply for collateral assessment at the assessment agency designated by the Beijing Housing Provident Fund Management Center.
(3) The loan applicant waits for telephone notification.
1. The staff of the loan handling department will review the loan according to the materials required by the loan applicant and the evaluation results of relevant institutions. If it is necessary to communicate with the loan applicant by telephone, the staff will verify and confirm with the loan applicant by telephone through the contact information provided by the loan applicant.
2. If the guarantee method chosen by the loan applicant is the guarantee center, after the guarantee is approved, the staff of the guarantee center will inform the loan applicant of the time to sign the loan-related contract, the materials to be carried and the guarantee service fee to be paid; If the loan applicant chooses the non-guarantee center as the guarantee method, after completing the relevant procedures according to different guarantee methods, the staff of the loan handling department will inform the loan applicant of the time and required materials for signing the loan-related contract.
(4) The loan applicant signs relevant contracts.
1. According to the interview time notified by telephone, the loan applicant will go to the loan handling department to go through the signing formalities with the materials needed for the housing provident fund loan interview. For loan applicants who need to pay assessment fees and guarantee fees, they should first pay at the designated counter and receive invoices.
2. The loan applicant and * * * and the applicant, the mortgagor and the pledger complete the signing procedures of the Loan Contract and other relevant contract documents under the guidance of the staff of the loan handling department.
(5) Bank loans
After the bank lends money, the loan applicant goes to the bank to collect the relevant contract documents of the borrower.
(6) Monthly repayment
The loan applicant shall repay the loan on a monthly basis in accordance with the provisions of the loan contract.
Loan steps
1. The real estate appraisal agency designated by the Housing Provident Fund Management Center (hereinafter referred to as "the Center") evaluates the transaction house, determines the loan amount, and determines the loan amount and the value of the house (collateral) to be traded by both parties. Both parties to the transaction should actively cooperate. According to the pre-assessment report issued by the assessment agency, the transaction price of both parties and the repayment ability of the borrower, the center pre-examines the loan amount and term to be applied by the employees, and issues the Confirmation Form for Pre-examination of the Loan Amount and Term of Housing Provident Fund Second-hand Housing to the employees.
2. The employee who puts forward the loan demand and intends to apply for the second-hand housing loan shall submit the borrower's (spouse's) salary income and housing provident fund deposit certificate (in triplicate) and the original and photocopy of the housing ownership certificate before the transaction, and the business personnel shall review and confirm whether the employee's housing provident fund deposit is normal and whether the employee's (spouse's) salary income certificate is true and standardized.
3. Choose the loan guarantee method. Second-hand housing provident fund loan guarantee methods include installment guarantee plus mortgage and mortgage. Borrowers can choose independently according to their own actual situation. If the second-hand housing loan is handled by installment guarantee and mortgage, the guarantee company selected by the borrower shall bear the installment joint liability guarantee for the borrower before the mortgage registration formalities of the house purchased by the borrower are completed and the house ownership certificate is signed by the entrusted bank. If the second-hand housing loan is handled by mortgage, the borrower shall go through the mortgage registration formalities before the loan is issued, and the house ownership certificate shall be kept by the entrusted bank.
4. Sign the house transfer contract, handle the self-raised funds delivery, the buyer and the seller handle the house transaction procedures, receive the house evaluation report, sign the house transfer contract, handle the self-raised funds delivery, and the buyer and the seller handle the house transaction procedures and deliver the self-raised funds. Both parties can deliver the goods under the witness of the guarantee company (the entrusted bank), or they can choose to be supervised and paid by the entrusted bank.
5. Fill in the Application Form for Housing Provident Fund Loan and submit all loan application materials as required (including housing appraisal report, housing provident fund loan application form and all loan application materials including housing appraisal report as required). If the second-hand housing loan is handled by installment guarantee or mortgage, the guarantee company may submit the loan application materials to the center on behalf of the borrower; If the second-hand housing loan is handled by mortgage, the borrower himself shall submit the loan application materials.
6. Bank Lending With the gradual increase of bank loan interest and the cancellation of the first home loan interest rate concession, the interest cost of using commercial loans to buy a house is getting higher and higher, which is higher than that of housing provident fund loans. If you have the conditions for housing provident fund loans, using provident fund loans is the most cost-effective way.
7. Review, approval and audit
8. Signing loan contracts and other procedures
Required materials
Housing provident fund loans need information
1. Materials to be provided for applying for commercial housing provident fund loan
(1) The borrower and the original and photocopy of the borrower's resident ID card and household registration book (* * * with repayment and guarantor) and * * * with repayment commitment letter;
(2) proof of marital status (if married, provide a copy of marriage certificate, and other information shall be issued by the unit or police station);
(3) Legal commercial housing purchase contract or agreement;
(4) Personal credit certificate provided by the borrower and the borrower's unit;
(5) Effective proof that the borrower has paid not less than 30% of the house purchase price;
(6) List of mortgaged property and pledged property, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of mortgage evaluation issued by relevant departments;
(7) The auction property of housing provident fund loan must be the property with mortgage agreement signed by the developer and the entrusted bank, and the borrower can go through the loan formalities through the mortgage bank.
For loan applications with complete information, the bank will accept and review them in time and submit them to the provident fund center in time.
The provident fund center is responsible for approving loans and informing banks of the approval results in a timely manner.
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 his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted bank will allocate the loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract.
If the borrower has a mortgage, he shall go through the mortgage registration formalities with the property right management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.
2 second-hand housing provident fund loans should provide materials.
Second-hand housing management is based on the purchased housing as collateral, and the following information must be supplemented on the basis of providing the above information:
(1) Copy of the Seller's ID card and household registration book;
(2) The original and photocopy of the real estate license;
(3) An assessment report issued by an assessment agency recognized by the Provident Fund Management Center;
(4) Tripartite agreement between the intermediary agency recognized by the Provident Fund Management Center and the buyer and seller;
(five) mortgage registration shall be handled by the real estate transaction department at or above the district level.
Second-hand housing provident fund loans can be handled through the entrusted bank.
3 units to apply for housing provident fund loans should provide materials.
Units to raise funds to build houses shall be handled by the units in a centralized manner. When applying to the provident fund management center, the units shall provide the following information:
(1) Approval from the Development Planning Commission;
(2) State-owned land use certificate;
(3) Construction project planning permit;
(4) Construction land planning permit;
(five) the construction permit.
After the materials are approved, the provident fund management center and the fund-raising housing unit shall sign an agreement or guarantee contract in accordance with the relevant provisions of the Security Law. If an employee is transferred out of the unit due to work change or terminates the labor relationship with the original unit, the unit shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center to register the change, and the unit shall fill out the Inventory of Housing Provident Fund Change and the Certificate of Housing Provident Fund Transfer, and go to the entrusted bank to handle the transfer or sealing procedures of employee housing provident fund. If the employee leaves the work unit and only interrupts the wage relationship but still retains the labor relationship, the deposit of the housing provident fund will be interrupted during the interruption period, but the employee housing provident fund account will remain unchanged, and the remaining housing provident fund principal and interest will remain in the employee housing provident fund account. The unit shall handle the sealing procedures for the employees. The storage of employee housing provident fund is only applicable to the housing provident fund management of employees who have interrupted their wage relations but still retain their labor relations. During the storage period of employee housing provident fund, if it meets the extraction conditions, the unit shall handle the extraction procedures on its behalf.
If the employee terminates the labor relationship with the unit due to the expiration of the labor contract or other reasons, he shall go through the formalities for the transfer of housing provident fund, and the specific steps are as follows:
(1) The employee opens a provident fund account in the collection department of the newly transferred unit and provides the account opening certificate;
(2) According to the book balance of employee housing provident fund subsidiary ledger, the transferring unit fills in the Notice of Housing Provident Fund Transfer in quadruplicate and sends it to the collection department for transfer procedures.
Fill in the Notice of Housing Provident Fund Transfer, with the following contents: the full name, unit number and collection department of the transfer-in unit; The name and number of the transferred employee should be consistent with that in the remittance book of the unit; The transfer amount is the book balance of the employee account; Signature (the seal is left in the collection department).
1. The housing accumulation fund is transferred from the Beijing Central Management Department to the central state organ sub-center and the central state organ sub-center for formalities.
(1) When employees' housing provident fund is transferred from the management department to the central state organs and their sub-centers, they must first open a personal account for housing provident fund in the new unit. At the same time, when opening an account, the handling personnel of the new unit should ask the local bank to print the Inquiry Book of Housing Provident Fund (hereinafter referred to as the Inquiry Book) and affix the bank seal, and give it to the employee as the proof of opening an account when handling the transfer.
(2) The employee submits the inquiry letter to the original unit, and the manager of the original unit fills in the Notice of Housing Provident Fund Transfer supervised by Beijing Housing Provident Fund Management Center according to the relevant information of the inquiry letter, and submits it together with the inquiry letter to the subordinate management department for transfer procedures. The transfer business of each management department is uniformly distributed by Beijing Housing Provident Fund Management Center and transferred to the central government and branches of central state organs.
(3) After receiving the remitted housing provident fund, the sub-center of the central state organ and the sub-center of the central state organ shall notify the new employee unit to handle the deposit formalities according to the relevant information in the Annex Notice on the Transfer of Housing Provident Fund.
(4) Within 3 days after the employee's new unit receives the notice from the bank, fill in the Housing Provident Fund Deposit List and the Housing Provident Fund Remittance Form and submit them to the entrusted bank, and transfer the transferred funds to the employee's new personal account.
2. The housing accumulation fund shall be transferred from the central state organ sub-center and the central state organ sub-center to the Beijing Central Management Department for formalities.
(1) When employees' housing provident fund is transferred from branches of central organs and branches of central state organs to Beijing Central Management Department, the new unit must first open an account in the management department and obtain the Certificate of Opening an Account for Housing Provident Fund Transfer issued by the management department.
(2) The employee applies for the transfer of housing provident fund to the original unit with the Certificate of Opening an Account for the Transfer of Housing Provident Fund. The original unit issued the "Application for Housing Provident Fund Extraction", stamped with the seal of the unit, and handed it over to the entrusted bank for transfer. When filling in the application for housing provident fund withdrawal, attention should be paid to: the fund center fills in the name of the transfer-in management department, the payee fills in the full name of the transfer-in unit, the payee's account fills in the transfer-in unit number-new employee number, and the payee's bank fills in Jian 85.
(3) After receiving the Application for Withdrawal of Housing Provident Fund, the bank will transfer the housing provident fund through remittance procedures, and issue the Housing Provident Fund Transfer List as an annex to transfer it to Beijing Housing Provident Fund. Extraction condition
The withdrawal of housing provident fund must meet certain conditions, and the storage balance in the employee housing provident fund account can be withdrawn under any of the following circumstances:
(1) Purchase, build, renovate or overhaul the owner-occupied housing with ownership;
(2) retirement;
(three) completely lose the ability to work and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(6) the rent exceeds the prescribed proportion of family wage income.
Extraction process
(a) approved by the provident fund center.
Except for the two withdrawal methods of employee resignation and employee retirement, other withdrawal methods need to be audited by the provident fund management center before they can go through the withdrawal procedures in the bank. The procedure is as follows:
1. Submit relevant documents, which will be audited and sealed by the municipal housing provident fund management center or office.
2. Hold the "Housing Provident Fund Withdrawal Form", the special passbook or joint card for housing provident fund and the valid identity documents audited and sealed by the municipal provident fund management center or office, and wait until the relevant bank housing provident fund business handling outlets handle the withdrawal.
(two) the extraction of the entrusted bank audit.
The cancellation of labor relations between non-registered employees and their units and the retirement of retired employees have been entrusted to the Construction Bank for review. Resignation certificate (non-local registered employees leave), retirement certificate, ID card, etc. Issued by the applicant, you can directly withdraw the housing provident fund from the relevant bank outlets in this city.
(3) Entrusted loan repayment of provident fund (i.e. automatic monthly deduction)
Borrowers and their spouses who have handled housing provident fund loans from China Construction Bank, China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Merchants Bank and China CITIC Bank may apply for entrusted withdrawal of housing provident fund. This business must be approved by the provident fund center or office with relevant information, and cannot be entrusted to others. The loan bank is an applicant from a bank other than China Construction Bank. You must first apply for a joint provident fund card at the relevant bank outlet where the company opens an account and associate it with the provident fund account (activate it) before you can handle this business.