The loan contract signed after the loan arrives takes effect, and the loan invalid contract is invalid. If the loan is rejected due to the lender's reasons, it also needs to bear the relevant liability for breach of contract.
Provident fund loan process:
I. 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.
Second, the preliminary review and evaluation:
The loan applicant should go to the loan handling department for preliminary examination and relevant 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.
Three, the loan applicant waiting 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.
Four. The loan applicant signs the relevant contract.
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.
Verb (abbreviation for verb) bank loan
After the bank lends money, the loan applicant goes to the bank to collect the relevant contract documents of the borrower.
VI. Monthly repayment
The loan applicant shall repay the loan on a monthly basis in accordance with the provisions of the loan contract.
A week after the announcement of the "National Five Articles" Beijing Rules, the new policy of Beijing provident fund loans and the mortgage policy of Beijing Commercial Bank also landed.
On April 8, 20 13, the Beijing Housing Provident Fund Management Center and the business management department of the central bank issued notices respectively, and the down payment ratio was increased from 60% to 70% when buyers used provident fund loans or Beijing Commercial Bank applied for second-home loans.
From April 8, 2065438 to April 8, 2003, the purchase of houses through online signing was implemented in accordance with the new policy.