What is the detailed process for purchasing a second-hand house with a personal housing provident fund loan?

Personal housing provident funds are divided into municipal provident funds and state-administered provident funds. The process of buying second-hand houses with loans is as follows:

1. The process of buying second-hand houses with municipal provident fund loans:

1. Provide buyer and seller information, fill in the management center’s application form, submit for evaluation, and pay the evaluation fee.

2. Submit the information to the management center for approval and conduct preliminary review.

3. After passing the preliminary review, the customer will be notified to come to the management center for an interview, and the management center will conduct a re-examination.

4. After approval, go to the Provident Fund Management Center to sign the guarantee contract and pay the guarantee fee.

5. After the loan is approved, the buyer and seller will be notified of the transfer of ownership.

6. After getting the new house certificate, go through the mortgage registration and see the mortgage registration acceptance center for a loan.

Information required for the municipal provident fund

Buyer: ID cards of the couple, household register, marriage certificate, academic certificate, professional title certificate, provident fund statement, and temporary residence permit if the household registration is out of town.

Seller: Identity cards, household register, marriage certificate, and house book of both spouses.

Required fees: appraisal fee, guarantee fee, loan service fee.

2. The process of buying a second-hand house with a state-managed provident fund loan:

1. Provide information about the buyer and seller, fill in the application form issued by the state-managed center and proof of income (note: married loan customers are married couples) Both parties need to issue proof of income), submit an assessment, and pay the assessment fee.

2. The buyer and seller go to the bank for an interview.

3. The State Management Center examines and approves loan information.

4. After approval, the buyer and seller will be notified of the transfer.

5. After getting the new house certificate, go through the mortgage registration, and the bank will issue the loan after seeing the other title certificates.

Information required for state-managed provident fund

Buyer: (Same city-managed provident fund).

Seller: Identity cards, household register, marriage certificate, and house book of both spouses.

The fees required by the state-managed provident fund: evaluation fee, guarantee fee, loan service fee.

Extended information:

Notes on provident fund loans to buy second-hand houses:

1. Provident fund loans require the buyer and seller’s ID account and marriage certificate. The buyer's income certificate, personal credit report, original property certificate, real estate appraisal report and other materials to be provided by the management.

2. For a provident fund loan, you should ask your unit where your provident fund is deposited, and then choose to apply for a loan based on the department where you deposit your provident fund and the address of the house you purchased. relevant departments.

3. In terms of loan limit, the borrower applicant must establish a housing provident fund account for more than 12 months (inclusive), and at the same time pay and deposit the housing provident fund in full and normally for more than 12 months (inclusive) (normal payment and deposit Including monthly continuous prepayment and repayment of housing provident fund), and it is in the deposit status when applying for a loan.

Houses that can apply for provident fund loans to buy houses:

1. Commercial housing (the developer must sign a loan cooperation agreement with the municipal housing fund management department);

2. Current housing (that is, housing reform to purchase property rights);

3. Second-hand housing (stock market transactions);

4. Non-title housing (must have its own or third-party mortgage as collateral) );

5. Auction room (the auction company must sign a loan cooperation agreement with the Municipal Housing Fund Management Bureau).