1. For housing provident fund loans, if the contract is signed online and there is a receipt, do you need an invoice?

Full-plan housing developers

For second-hand houses, the landlord needs to file taxes before they can be issued Share invoices, otherwise only receipts

2. Do provident fund loans require online contract signing?

Online signing means that after you sign the contract with the sales target, you must file it with the relevant real estate department and publish it. online. Then you will be given an online visa number through which you can check online. Online signing is to make real estate transactions more transparent. The contract can be revoked after it is signed. In the future, before real estate development companies apply for a commercial housing pre-sale license, or apply for ownership setting registration of new commercial housing for currently sold commercial housing, they must go through the project network access procedures with the Municipal Land and Housing Administration Bureau and submit relevant information and supporting materials. Citizens can do so at any time. Check online. The general process is: 1. After the buyer and seller reach a purchase intention, the online signing operator entrusted by the development company will first enter the relevant information of the contract text into the online signing system. After the buyer and seller confirm that it is correct, the online signing operator will electronically submit the contract. Submit the text information to the online signing system to apply for contract filing. 2. After the contract applying for filing is submitted, the online signing system will immediately check the physical condition of the house and other rights restrictions in the electronic text of the contract confirmed and submitted by the buyer and seller. If the contract meets the filing conditions, it will be recorded in the registration book and the online filing will be completed. , generate a contract number. At the same time, the online signing system and the commercial housing property list on the website will disclose the sold information of the commercial housing. 3. After the registration is completed, the development company must immediately print out the registered online contract text at the sales site, and the buyer and seller shall sign and seal it and keep it separately. In addition, the home buyer can also go to the transaction registration agency with proof of identity to check the information on the contract’s record. 4. After the online signing and filing is completed, if the buyer and the seller need to cancel, change, or correct the registered commercial housing sales contract for various reasons, both parties must present valid certificates and relevant registration materials to the transaction registration agency to apply for cancellation of the original contract filing business. . After the contract is cancelled, the house becomes available for sale again and the contract can be re-signed online, but the system records one change of hands. Legal basis: Article 4 of the "Housing Provident Fund Management Regulations" The management of housing provident funds shall be based on the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, storage in special bank accounts, and financial supervision. Article 7 The construction administrative department of the State Council shall, together with the financial department of the State Council and the People's Bank of China, formulate housing provident fund policies and supervise their implementation. The construction administrative departments of the people's governments of provinces and autonomous regions, together with the financial departments at the same level and branches of the People's Bank of China, are responsible for the supervision of the implementation of housing provident fund management regulations and policies within their respective administrative regions.

3. Does the house bought with a provident fund loan have a mortgage and will not be registered online?

No

No, it is necessary to mortgage the house under construction. The mortgagee and mortgagor must go to the housing management department to register the mortgage, rather than go to the housing management department for filing. Moreover, it is not possible to sign and register online for work-related housing. However, if the procedures are complete, work-related housing can be purchased with confidence. Relevant government departments do not explicitly stipulate that developers are not allowed to sell mortgaged housing, so work-paid housing cannot be registered. As long as the procedures are complete and the relevant precautions and terms are listed in the house purchase contract, the work-paid house can be bought or sold.

4. To buy a house with a provident fund loan, do you have to get a loan before you can sign online?

The application conditions for a provident fund loan are:

Have a permanent residence in the town where the loan is taken and a valid household registration. Can provide valid proof of residence;

Have paid housing provident fund for more than 6 months continuously before the loan, and the cumulative payment time of provident fund cannot be less than 12 months;

First house If the self-raised funds reach more than 30 (including 30) of the total price of the house purchased, the first home loan of less than 90 square meters only requires 20%;

The borrower has a legitimate job and stable income, and the monthly fixed Salary income, loan repayment intention is clear;

Signed a house purchase deed or contract with the sales office;

Meets other conditions stipulated by the principal and trustee.