Buying a house is the most expensive project in many people's lives. Buying a house costs hundreds of thousands of millions, so many people will apply for loans when buying a house. Compared with commercial loans, the interest rate of provident fund loans is much lower, so most people will choose provident fund loans. Can Chongqing's second-hand houses be financed by provident fund loans? What is the application procedure for provident fund loans? Let's take a look with Bian Xiao!
1. Can second-hand houses in Chongqing use provident fund loans?
If the buyer meets the conditions of the provident fund loan and the seller accepts it, he can use the provident fund loan to buy a second-hand house in Chongqing. However, the approval time and delivery time of provident fund loans are relatively long, and the down payment will be frozen to the bank, so some sellers don't accept it, so it needs to be combined with the actual situation.
2. What are the application procedures for provident fund loans?
1. First, the lender needs to apply for a provident fund loan at the housing provident fund management center that I pay, and submit the household registration book, ID card, down payment voucher and marriage certificate of myself and my spouse. The relevant staff will conduct a preliminary review of the materials, and issue a notice of review of the guarantee application after the preliminary review is passed.
2. Then the guarantee center will review the materials submitted by the lender. After confirming that the lender meets the guarantee conditions, the lender can receive the approval opinions of the guarantee application, and then pay the relevant fees according to the approval opinions of the guarantee application. Then the relevant staff of the guarantee center will stamp the loan contract and other documents with official seals.
3. The guarantee center sends the application materials of the lender to the housing provident fund management center. If the application is made by an intermediary, the intermediary will be responsible for delivering the materials. Finally, the housing provident fund management center will guide the lender to sign relevant documents.
Summary: That's all. Although the interest rate of provident fund loans is low, the review requirements are very strict, and the loan amount of provident fund is limited. Therefore, before applying, you need to see if you meet the application conditions for provident fund loans. If you want to know more about decoration, you can pay attention to Qijia. com。
What is the process of Chongqing's new house loan?
There are two kinds of new house loans in Chongqing: commercial loans and provident fund loans. The loan process is as follows:
I. Commercial loans:
1. The borrower prepares materials to apply for mortgage from the loan bank;
2. The bank conducts the audit and signs the contract after the audit is passed;
3. Handle mortgage registration and other procedures;
4. Bank loans.
Second, provident fund loans:
1. The borrower applies for provident fund loan at the bank designated by the provident fund center;
2. The undertaking bank conducts loan review and signs a loan contract after approval;
3. The undertaking bank will hand over the materials to the selling unit, and the selling unit will go to the local housing management department for mortgage registration;
4. The unit selling houses will hand over the mortgage procedures to banks, banks and provident fund centers for review, and issue loans after passing the review.
What are the loan conditions of Chongqing housing provident fund? Chongqing housing provident fund loan process
Chongqing housing provident fund loan conditions
Applying for provident fund loans in Chongqing shall meet the following conditions:
1, the loan is continuously deposited and paid normally, and the records of the first six months of the loan need to be complete;
2. Citizens who have reached the age of 18 and have full capacity for civil conduct have a good credit rating, no default, delay, fraud and other untrustworthy behaviors, and have a normal and stable source of income;
3. Chongqing local real estate mortgage guarantee or purchase transaction contract;
4. The down payment has been paid, and there is no outstanding provident fund loan amount.
Chongqing housing provident fund loan process
Chongqing provident fund loan process is:
1. The borrower applies for a loan at the bank or provident fund center;
2. The bank or provident fund center shall give the borrower a formal reply within 10 days from the date of receiving the loan application and the materials that meet the requirements;
3, the bank or provident fund center for approval, to the borrower housing loans.
Among them, the amount of loans granted shall not be greater than the value of the house to be purchased assessed by the real estate appraisal agency.
Chongqing housing provident fund loan materials
Chongqing housing provident fund first-hand housing loan materials are:
1. Identity cards and household registration books (or other valid residence certificates) of the borrower and the co-owners of property rights (including spouses);
2. Chongqing commercial housing sales contract;
3, the borrower to pay no less than 20% of the total purchase price of self-financing credentials;
4. Proof of income of the borrower and spouse;
5 proof of the marital status of the borrower and the co-owner of the property right (including the single certificate);
6. Certificate of transfer account issued by the unit where the house is located;
7. Other materials required by Chongqing Provident Fund Center.