Premise: If you are afraid of trouble and are at a loss, I suggest you add 15995479504 (WeChat with the same number) for details. If you like to ponder and are good at research, you can read this article first to understand the situation. Prepare for buying a house and applying for a loan in the future.

Case background: The customer divorced and bought a house in the name of one person, which has been entrusted at present. The estimated price is 2 million. Suzhou hukou, payment of Suzhou social security, minimum standard, good credit, first suite, first loan.

Original plan: 650,000 yuan in custody and 6,543.8+0.35 million yuan in loans, including 450,000 yuan in provident fund loans and the rest in commercial loans for 20 years.

The final result: the down payment is 850,000 yuan, the provident fund loan is 65,438 yuan+2007,352,000 yuan, and the interest rate of other commercial loans rises by 20%.

Handling process: after the materials are prepared according to the following contents, the buyer with complete materials will go directly to the outlet for handling, and the handling will be completed on the spot when the materials are complete.

Take Suzhou urban provident fund portfolio loan as an example, it feels very empty, and there is basically no queue. It will be finished in about two hours. Unlike the Housing Authority, they are all people, and it takes about 2 hours to arrange. Otherwise, I am afraid of crossing the number.

It is recommended to consult by telephone before handling, so as to avoid a trip in vain.

Suzhou is the provident fund website: /szgjj/

Conditions for handling second-hand housing provident fund loans:

Information carried in places where funds are not used for safekeeping.

Information carried in the place where the funds are kept.

Accepted outlets:

Minor accidents in actual operation:

1. The provident fund can be loaned for up to 20 years, but the age of the borrower is ≤50. For example, if you are 40 years old, even if other conditions meet the requirements, the longest service life of your portfolio loan is 10 years, that is, 50-40 years;

2. The maximum personal provident fund loan is 450,000, but combined with your payment base and the balance in the card, the staff of the provident fund center will tell you how much you can borrow on the spot with your ID card. Customers who suggest that they handle it themselves can confirm it in advance, or be confident that your running water and income are sufficient, and you can prepare the information at one time;

3. Information required for portfolio loan:

Buyer's information: real estate license, land certificate, fund custody certificate, down payment certificate, down payment flow, credit report, income certificate, lender's ID card, household registration book, marriage certificate (divorce agreement is provided for divorce).

Seller's information: ID card, household registration book and marriage certificate (divorce agreement is required);

4. Compared with many banks, choose one: many banks, and the interest rates of all banks are rising, which is unreasonable for customers. Don't be afraid of trouble. I suggest asking one bank after another, and choosing a bank with low interest rate and fast loan will save real money. For example, ABC's portfolio loan must be managed by ABC. For example, some banks discriminate against divorce and don't do it at all. Some divorced banks are 5% higher than unmarried or married banks, but fortunately, when they were almost desperate, they finally asked a conscience bank and got a non-discriminatory floating interest rate loan.

Note: printing materials in the provident fund center is free (there are two computers in the urban provident fund center, one is broken, and the other can print materials after logging in, free of charge)

Yes, now I'm waiting for a loan, a transfer, and a real estate license. If there are no accidents, it should be all done by the middle of next month.

Please look forward to it?

If you have any questions about Suzhou real estate, please feel free to consult 15995479504.

Second, Suzhou urban housing portfolio loans

Portfolio loans (provident fund loans, commercial loans). Commercial loans are provident funds.

1. application

The borrower shall fill in the loan application form at the local housing provident fund management center or sub-center and provide the following information.

(1) My household registration book, ID card or other valid proof of residence;

(2 pieces;

(3) Borrower

(four) other materials required by the housing provident fund management center or sub center.

2. First trial

The housing provident fund conducts a preliminary examination of the application materials provided by the borrower, and determines the loan ratio of the provident fund and bank credit funds.

survey

The house trustee investigates the loan and puts forward the investigation opinions. The survey results should be reported to the housing fund management center or sub-center and relevant departments in the bank for approval.

4.

After the approval of the housing fund management center or sub-center and the consent of the loan handling bank, the loan center entrusts the individual housing loan contract and the individual housing loan borrowed by the loan handling bank.

5. The borrower shall open a policy account and a business account respectively.

6 for mortgage, guarantee, pledge and insurance procedures (attached

7. The loan contract takes effect and the funds are transferred to the developer's account.

In practice, due to regional differences, it is recommended that you follow the policies of your region.

Three, Suzhou urban housing portfolio loans

(a) the purchase of new ordinary housing or self built housing;

1. The borrower's provident fund card, ID card and proof of marital status (marriage certificate or household registration book or single declaration);

* * * If the house is invested, proof of immediate family members (household registration book or issued by the public security notary department) shall be provided.

2. Commercial housing sales contract;

For self-built (super-built) houses, it is necessary to provide a construction project planning permit or a house ownership certificate, a state-owned land use certificate or a mortgage (counter-guarantee) contract signed by other houses (including third parties) and housing home purchase guarantee institutions after evaluation.

3. Proof of down payment for housing purchase;

4. If the borrower's previous housing provident fund loan has been paid off, it is necessary to provide the loan settlement certificate issued by the bank.

(two) the purchase of complete sets of housing stock:

1. The borrower's provident fund card, ID card and proof of marital status (marriage certificate or household registration book or single declaration);

* * * If the house is invested, proof of immediate family members (household registration book or issued by the public security notary department) shall be provided.

2. Proof of down payment for housing purchase;

3. Original real estate license and state-owned land use certificate;

4, housing replacement transaction agreement, housing transaction (evaluation, appraisal) price certificate;

5. If the borrower's previous housing provident fund loan has been paid off, it is necessary to provide the loan settlement certificate issued by the bank.

(3) Other required materials.

4. What are the conditions for the second loan of Suzhou Provident Fund?

Hello! At present, applying for housing provident fund loans should meet the following four basic conditions:

(1) The borrower has paid the housing provident fund in full and on time for more than six months (including six months) before the application date;

(2) The down payment for house purchase shall not be less than the specified proportion. The second set of housing provident fund personal housing loans, the down payment ratio shall not be less than 30_ of the total housing price.

(3) Being able to implement loan guarantee;

(4) The borrower, spouse and other property owners have no housing provident fund loan debt, and their personal credit status is good. (Note: Loan applicants (including * * * loan applicants) must meet the loan conditions. If you have any questions, please call the service hotline of the Provident Fund Management Center. The hotline is 12329.