Second-hand housing provident fund loan application needs to bring information:
(1) Original and photocopy of ID card and household registration book of loan applicant, spouse, * * borrower and property owner, and account number of provident fund. Minors need to provide one-child certificate or birth certificate. The above personnel must be present and carry their personal seals; (2) Marriage certificate of the loan applicant and the borrower: the original and photocopy of the marriage certificate or divorce certificate, and the unmarried person shall provide the unmarried certificate; (3) A down payment receipt voucher of not less than 20% of the house price;
(4) The portfolio loan shall provide the borrower and the borrower's income certificate; ⑤ Original and photocopy of debit card supporting universal deposit and withdrawal function;
6. Original contract for the sale of second-hand houses;
⑦ Original and photocopy of Shangjia ID card and real estate license; Real estate appraisal report. Before 1990 (inclusive), the loan amount of the second-hand house exceeds 30% of the total house price, and after 1990, the second-hand house exceeds 50% of the total house price, which needs to be appraised by an appraisal company recognized by the agency; Pet-name ruby If the loan is extended to home, provide a copy of the loan passbook. To apply for a second-hand housing provident fund loan, the following application conditions shall be met:
1. The loan applicant must establish a housing provident fund account for more than 12 months (inclusive), and at the same time pay the housing provident fund in full for more than 12 months (normal payment includes continuous monthly payment of housing provident fund, early payment and supplementary payment), and be in the state of payment when applying for a loan.
2. With the approval of the Center, the employees of the deferred units can apply for loans if they have established a housing provident fund account for more than 12 months (inclusive) and paid the housing provident fund in full 12 months (inclusive).
3. The loan applicant can be a retired employee who has paid the housing provident fund during his working period.
4. Both husband and wife of the loan applicant shall not have outstanding provident fund loan records or policy discount business records.
In addition, it should be noted that the regulations on second-hand housing provident fund loans vary from place to place. If it is necessary to apply for second-hand housing provident fund loans, the latest regulations published by the local real estate department shall prevail. Second-hand housing provident fund loans should be handled according to the following procedures:
1. Provide the information of the buyer and the seller, fill in the standard application form of the management center, submit the evaluation and pay the evaluation fee; 2, data submitted to the management center for examination and approval, preliminary examination;
3. After passing the preliminary examination, inform the customer to go to the management center for an interview and the management center will review it; 4. After approval, sign a guarantee contract with the provident fund management center and pay the guarantee fee; 5. After the loan is approved, notify the buyer and the seller of the transfer;
6. Apply for mortgage registration after getting the new house. See the mortgage registration acceptance form of the management center for the loan.
When handling the second-hand housing provident fund loan, you need to provide the following information:
1. Buyer: ID card, household registration book, marriage certificate, education certificate, professional title certificate, provident fund statement, temporary residence permit for foreign household registration.
2. Seller: ID card, household registration book, marriage certificate and household registration book of both husband and wife.
In addition, when handling the second-hand housing provident fund loan, the required expenses include: evaluation fee, guarantee fee, loan service fee, etc.
The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!
How to buy a second-hand house with a housing provident fund loan?
There are two ways to buy second-hand houses and apply for provident fund personal housing loans:
1. The borrower directly applies for a loan from the municipal capital center.
Its handling process: consultation and registration in the center → submission of application materials → acceptance and approval in the center → transaction transfer between the buyer and the seller → signing a contract with the bank → mortgage registration → loan fund issuance → monthly repayment by the borrower → settlement of the loan → cancellation of the mortgage.
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.
Step 10 Mortgage Cancellation: After the borrower has repaid all the loan principal and interest, he shall go through the mortgage registration cancellation formalities with the original real estate mortgage registration department with the settlement certificate and mortgage cancellation certificate issued by the loan bank, the original house purchase contract or real estate license and personal ID card.
2. The borrower entrusts an intermediary company to handle the formalities.
In the first step, the customer directly consults with the guarantee company or intermediary company and gets the loan application form.
Step 2: The borrower submits a complete set of loan information to the guarantee company or intermediary company, which will send it to the municipal capital center for approval.
Step 3: The municipal capital center will issue a loan commitment letter after examining and approving the loan qualification, amount and term.
Step 4, the guarantee company or intermediary company handles the transfer procedures of real estate license and land certificate for the buyers and sellers of houses, and the loan bank signs a loan and mortgage contract with the borrower, and signs a tripartite agreement with the guarantee company or intermediary company to provide guarantee.
Step 5 After the transfer of the real estate license, the municipal capital center can release the loan funds, and directly transfer the loan funds into the deposit account opened by the seller through bank transfer, and the borrower will repay the loan principal and interest on a monthly basis from the month following the loan contract.
Step 6: The guarantee company or intermediary company handles the mortgage registration formalities for the borrower and submits the house ownership certificate to the loan bank for safekeeping and filing.
How to apply for provident fund loans for second-hand houses
Second-hand housing provident fund loan steps:
Step 1: Get the application form. Step 2: The borrower submits the loan information to the municipal capital center. Step 3: Acceptance and approval. The fourth step: transaction transfer: both buyers and sellers of houses 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. Step 6: Apply for a mortgage. Step 7: issue loans. According to the relevant laws and regulations of our country, if an employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.
legal ground
"Regulations on the Management of Housing Provident Fund" Article 25 The employee's withdrawal of the storage balance in the housing provident fund account shall be verified by the unit to which he belongs, and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.
How to apply for a housing provident fund loan when buying a second-hand house?
I. The process of handling the second-hand housing provident fund loan is as follows:
1. Sign the payment agreement.
The purchaser carries the original and photocopy of the ID card and provides it to the housing provident fund management center of both husband and wife. Upon examination by the Housing Provident Fund Management Center, if the buyer meets the loan conditions of the housing provident fund, the buyer and the seller shall sign a loan fund transfer payment agreement.
2. Entrusted assessment
The loan applicant entrusts a housing appraisal institution recognized by the housing provident fund management center to evaluate the transferred house and issue an appraisal book.
3. Housing transfer
The buyers and sellers handle the house transfer formalities in the real estate registration department, sign the house sales contract, complete the deed tax payment formalities in the tax collection and management center, and obtain the property right certificate after the transfer.
4. Loan application
The loan applicant shall fill in the Application Form for Individual Housing Provident Fund Loan at the Housing Provident Fund Management Center with the materials required for the aforementioned provident fund loan, and make a record of the loan interview.
5. Lending approval
Housing provident fund management center is responsible for the preliminary examination and approval of loan applicants' loan applications.
6. Sign a loan contract
Sign loan contracts, handle insurance and notarization procedures.
7, for housing mortgage registration.
The loan applicant holds the loan contract to the entrusted bank, and after examination and approval, sends it to the accreditation center for housing mortgage registration, and submits the acceptance notice to the housing provident fund management center.
8. Lend loans
After receiving the mortgage "Property Ownership Certificate", the Housing Provident Fund Management Center will notify the entrusted bank to issue loans.
9, repayment
The borrower shall repay the loan principal and interest on a monthly basis in accordance with the loan contract.
10, the contract is terminated.
After the borrower pays off the loan principal and interest, the loan contract is terminated and the entrusted bank issues a loan settlement certificate. The lender takes back the mortgage Property Ownership Certificate (combined loan to the entrusted bank) from the housing provident fund management center and goes through the mortgage cancellation registration with the housing property registration department.
Second, the second-hand housing provident fund loan application conditions
1. The loan applicant must establish a housing provident fund account for more than 12 months (inclusive), and at the same time pay the housing provident fund in full for more than 12 months (normal payment includes continuous monthly payment of housing provident fund, early payment and supplementary payment), and be in the state of payment when applying for a loan.
2. With the approval of the Center, employees in the deferred state can apply for loans if they have established a housing provident fund account for more than 12 months (inclusive) and paid the housing provident fund in full 12 months (inclusive).
3. The loan applicant can be a retired employee who has paid the housing provident fund during his working period.
4. Both husband and wife of the loan applicant shall not have outstanding provident fund loan records or policy discount business records.
Tip: the time conditions for establishing housing provident fund account and depositing housing provident fund should be met at the same time; Time when overdue payment fails to establish housing provident fund in advance.
Three. The borrower submits the following loan information:
1, provident fund loan application form;
2, provident fund deposit certificate (or housing provident fund account book) and proof of economic income;
3, the purchase of housing evaluation report;
4. The stock house sales contract signed by the buyer and the seller;
5. The house ownership certificate and state-owned land use certificate under the name of the original seller (original and photocopy);
6. Husband and wife's ID card, household registration book, marriage certificate (original and photocopy, single employees need to provide single proof. )
Extended data
Types of housing provident fund loans
The types of housing provident fund loans are: new housing loans, second-hand housing loans, self-built housing loans, housing decoration loans, commercial housing loans to provident fund loans and so on.
(Note: Not all provident fund centres provide the above-mentioned loans. Please consult the local housing provident fund management institution first. )
Characteristics of housing provident fund loans
Compared with commercial housing loans, housing provident fund loans have the advantages of lower interest rates, flexible repayment methods and low down payment ratio, but the disadvantages are cumbersome procedures and long approval time.
situation
1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.
2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.
3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.
5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.
The basic conditions for applying for housing provident fund housing loans mainly include three aspects: loan object, loan purpose and basic conditions for housing loans.
target
1, with valid identification;
2. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.
3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
Applicants for housing provident fund loans should have self-raised funds equivalent to 20% or more of the housing purchase price (regulations vary from place to place); Housing provident fund loan applicants should agree to apply for loan guarantees, and so on. These are all needed to reduce the risk of housing provident fund loans.