Provident fund loans to buy a house are related to credit reporting. Credit overdue, want to apply for provident fund loans to buy a house will be banned. Because you want to apply for provident fund loans, in addition to meeting the conditions of provident fund loans, personal credit information is also one of the prerequisite standards. Therefore, if you want to apply for provident fund loans, you must pay attention to the personal credit information in the past two years.
What are the requirements for provident fund loans? 1. Participate in the housing provident fund deposit, and pay the housing provident fund in full for 6 months or more before the loan.
2. The borrower has a stable income, has the ability to repay the principal and interest of the loan, and has no large outstanding debts under his name when applying for the loan.
3. The borrower's personal credit is good, and there is no bad record such as overdue.
4. The borrower has paid the down payment of the house according to the regulations, and the down payment is usually 30% of the total house price.
5. When applying for housing provident fund loans, there are no outstanding housing provident fund loans under the names of the borrower and his spouse. Any party who has outstanding housing provident fund loans under its name cannot apply for housing provident fund loans.
Purchase process of provident fund loan 1 Confirm the qualification of provident fund loans.
If you want to buy a house with a provident fund loan, you must first confirm with the provident fund center whether you are qualified to buy a house with a provident fund loan. Many places have certain requirements for buying a house with provident fund loans, such as the deposit period of provident fund, the amount of provident fund loans, and the number of provident fund loans. Only when the conditions for applying for provident fund loans are met can a loan application be initiated.
2. Choose the property you want to buy and apply for a loan from the provident fund center.
If you are sure that you can buy a house with a provident fund loan, you can choose the property you want to buy. After finding the real estate you want to buy, you can apply for a loan from the provident fund center and provide relevant materials according to the requirements of the provident fund loan.
3, provident fund center for loan approval.
After receiving the loan application, the provident fund center will examine and approve the loan application. Provident fund loans review the authenticity of users' credit information, income and purchase of real estate. Meet the conditions of provident fund loans, loans through approval.
4, to the real estate trading center for real estate transactions.
After the provident fund loan is approved, you need to go to the real estate trading center for real estate transaction procedures, mainly including tax payment, real estate transfer and other procedures. The transaction procedure of real estate is a very important part of the provident fund loan to buy a house. If the property cannot be transferred, the provident fund loan will be cancelled. If the property can be transferred normally, the provident fund loan can be issued smoothly.
5, provident fund center loans.
After the property transfer transaction is completed, the relevant documents of the property mortgage need to be submitted to the provident fund center, which will review the relevant materials after receiving them. After the approval of the provident fund center, the provident fund center will issue loans, which will be paid to the individual account first, and then the money will be paid to the developer by entrusted payment.