Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. According to the regulations, all employees who have paid the provident fund have the right to enjoy such loans and can apply for provident fund loans in accordance with the relevant provisions of provident fund loans.
For loans with the same period of time, provident fund loans are indeed more cost-effective and convenient than bank loans, because housing provident fund is originally the product of the unit allocating physical housing to individual housing and changing it into monetary housing. Let's compare the interest rates of provident fund loans and bank loans. Personal housing provident fund loan bank loan
More than five years 4.50% 6.6%
The relationship between the two is actually very simple. The approval of provident fund loans and loan funds are completed and provided by the local provident fund center. However, because there is no qualification for lending, a lender is opened in a qualified bank, and then the bank is entrusted to transfer money from the account to the individual, and the bank only charges a handling fee in the middle. There is a mortgage relationship between the provident fund center and the borrower. Because the provident fund can choose to establish cooperative relations with those banks, not all banks accept provident fund loans.
If you want to apply for a housing provident fund loan, you should be as follows:
It is necessary to submit a written application to the bank, fill in the Application Form for Housing Provident Fund Loan and truthfully provide the following information: (1) the deposit certificate of the applicant and spouse's housing provident fund; (2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status; (3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability; (four) the purchase of housing contracts, agreements and other valid documents; (5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments; (six) other information required by the provident fund center. 2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time. 3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results. 4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract. 5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.
You can consult local banks that accept provident fund loans or directly consult the provident fund center. Real estate companies are unprofessional. Does your housing contract refer to the pre-sale (sales) contract of commercial housing? If it is, it doesn't matter much