Materials to be provided for applying for housing provident fund loans: the original ID cards and household registration books of the applicant, spouse, frequent borrower and property owner (minors provide the only child heir certificate or birth certificate); Provident fund accounts of applicants, spouses and regular borrowers; The applicant's marriage certificate (the spouse can be omitted from the household registration book); The original and photocopy of the applicant's live birth certificate; The original and photocopy of the down payment invoice and the photo copy of the house purchase contract; Copy of the Pre-sale Certificate/property right card/Appraisal Informs the real estate agent/agent/intermediary company/self-collection account loan process: (1) The borrower and the regular applicant bring the corresponding loan materials to the governance core settlement acceptance window to fill in the approval form for mixed loan application and conduct the preliminary examination. (2) After the management department has passed the preliminary examination, it will input the information into the form, review and approve the loan. (3) The management department shall issue the loan contract, mortgage contract, IOU and other texts of the loan part of the mixed loan provident fund, which shall be signed by the borrower and * * * *. The materials listed in the text of the loan contract applied for and approved are in danger. (5) commercial bank loan application materials; Control the repayment withholding association to press the repayment card (discount), and the borrower will fill in the entrusted bank loan application, loan contract and mortgage in an orderly manner. (program. After reviewing and feeding back relevant materials, the management department entrusts the bank to issue mixed loans. (7) At the end of insurance or guarantee or mortgage procedures. (8) The borrower shall repay the principal and interest in time according to the statutory time limit. You can also sign a sub-borrower to deposit the principal and interest payable in the bank for repayment within the time limit agreed in the bank withholding agreement every month until all the loans are paid off. Some borrowers of commercial loans will repay the principal and interest in time in accordance with bank regulations until all loans are paid off.

Second, how to handle the second-hand housing provident fund loan?

Second-hand housing uses provident fund mortgage loans in seven steps. The specific process is as follows: 1. Borrowers go to the Housing Provident Fund Center for consultation and get an application form: buyers and sellers and their spouses (unmarried or divorced, they should provide proof) hold the original of the house ownership certificate, the original of the state-owned land use certificate, and the original of the household registration book, ID card and marriage certificate in the name of the seller, and go to the Municipal Housing Provident Fund Center for pre-registration and get an application form for provident fund loans. 2. The borrower shall submit the following loan information to the municipal provident fund center: (1) provident fund loan application form; (2) proof of deposit of provident fund (or household registration book of housing provident fund) and proof of economic income; (3) the evaluation report of the purchased house; (4) The stock house sales contract signed by the buyer and the seller; (5) Real estate license and state-owned land use certificate in the name of the original seller (original and photocopy); (6) ID card, household registration book and marriage certificate of both husband and wife (original and photocopy, single employee shall provide single certificate); 3. Acceptance and approval of the housing provident fund center: the municipal housing provident fund center accepts the information of loan applicants and determines the loan amount and duration through approval; Four. Transaction transfer: the buyer and seller of the house go to the real estate bureau and the land and resources bureau to handle the transfer formalities of the warrant transaction; V. Signing the Contract: The borrower shall present the transaction transfer certificate and deed tax payment invoice (original and photocopy) to the Municipal Housing Provident Fund Center, and the Municipal Housing Provident Fund Center shall issue a loan commitment letter to the designated bank to sign the loan contract, mortgage contract and other loan documents, and the seller shall open a special deposit account in the loan bank; 6. Mortgage: The borrower goes to the real estate bureau to register the mortgaged house and obtain the real estate license; 7. Lending: After all the loan procedures are completed, the municipal housing provident fund center will directly transfer the loan funds to the deposit account opened by the seller through the bank. FYI

Third, how to operate the specific process of provident fund loan when buying second-hand houses in Feicheng City, Tai 'an? ...

First, the provident fund can be used to buy second-hand houses, but there are certain requirements for buying second-hand houses.

Second, the second-hand housing loan target is employees who have full capacity for civil conduct and normally pay the housing provident fund as required. The second-hand house purchased by the borrower must be an individual house with legal property right certificate, complete disposal right, legal transaction in the secondary real estate market and no more than 30 years (calculated from the date of completion of the house). In addition, the second-hand house purchased by the borrower must have a personal land use certificate and a personal real estate license.

Three, individuals apply for second-hand housing provident fund loans, borrowers must meet the following conditions:

1. The borrower must be the purchaser himself and have legal and valid identification. At the same time, the housing provident fund must be paid in full and on time for more than 6 months (inclusive);

2. It has a legal and effective real estate sales contract;

3. The borrower has good personal credit, stable economic income and the ability to repay the principal and interest of the loan (the ratio of monthly repayment amount to monthly income is controlled below 50%);

4. The seller and the house owner * * * agree on the property and voluntarily accept the house transaction mode in which the buyer pays part of the house price with the provident fund loan.

5. The borrower and the * * * property owner agree that the purchased property and its rights and interests can be used as collateral for the loan, and issue a letter of commitment that they can arrange for themselves when disposing of the collateral; The down payment ratio is not less than 40% of the total purchase price. If the borrower and his spouse have serious bad credit status, the loan will not be granted.