Housing provident fund personal loan purchase procedures are as follows:
First, purchase the real estate housing that has signed the project reserve with the local provident fund management institution, pay the advance payment for the house purchase, and initialled the house purchase contract.
Two, issued a "housing information inquiry letter" to the local housing management department, and issued a "personal credit report" to the local people.
Third, in the real estate sales center, provident fund management center entrusted loan bank or directly to the local government center provident fund window to receive the "personal provident fund loan application form", truthfully fill in the purchased housing information, personal information, loan application information (loan amount, term, according to their own family income, repayment ability), guarantee information and other content, paste the ID card, marriage certificate copy, and attach the income certificate of both husband and wife.
, sealed by the unit, handed over to the real estate sales center to the provident fund management center or directly handed over to the provident fund window of the government affairs center for preliminary examination.
4. After the preliminary examination, examination and approval of the provident fund management center (you don't have to worry about this, just be patient, etc.) is completed, the credit information transmitted will be transferred to the entrusted loan bank, and the bank will inform the manager of the real estate sales center and the couple of buyers to bring their ID cards to the bank to sign the Housing Provident Fund Entrusted Loan Contract and the Housing Mortgage Loan Contract, and open a loan repayment passbook. Some cities also need to apply for notarization (cost several hundred yuan) and comprehensive insurance for housing loans (cost several hundred to several thousand yuan). Now many cities have abolished notarization and insurance.
5. After signing the housing provident fund entrusted loan contract and the housing mortgage loan contract, the contract will tell you the monthly payment amount and repayment date. Keep it in mind, so as not to delay repayment and cause bad personal credit record. Go home and wait for the provident fund center to transfer the money to the entrusted loan bank. After a few working days, your provident fund loan will be transferred to the general settlement account of the real estate developer who buys a house through the bank, and the agent of the real estate sales center will inform you to open a receipt for buying a house. Your housing provident fund personal housing loan is completed.
6. The next thing you have to do is to collect money every month, prepare for monthly payment and repay it every month.
7. If it is the first time to buy a commercial house.
After paying the advance payment for house purchase, you can initialled the house purchase contract, and before applying for a loan, you can apply to the provident fund window to withdraw the balance in your personal provident fund account to pay the down payment for house purchase. If it is a second suite, you can't withdraw the balance in the personal provident fund account to pay the down payment for buying a house.
Eight, all housing provident fund loans in the repayment period, you can apply for withdrawal of personal provident fund account balance (including spouse, but not more than the total annual repayment).