The general process mainly includes: buyer qualification examination/seller house verification, online signing, evaluation, preliminary examination/face-to-face signing, bank loan approval, loan contract signing, tax payment/transfer, and bank loan.
1. The borrower consults at the housing provident fund center and receives the application form:?
By the buyers and sellers of houses and their spouses (unmarried or divorced, certificates should be issued), two original documents, namely "House Ownership Certificate" and "State-owned Land Use Certificate" under the name of the seller, as well as the original household registration book, ID card and marriage certificate, go to the city housing provident fund center for pre-registration and receive an application form for provident fund loans.
Two. The Borrower submits 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);
Three, the housing provident fund center for approval:
Fourth, the transaction transfer.
Verb (abbreviation for verb) sign a contract
Second-hand housing provident fund loan process
Second-hand housing provident fund loan process is as follows:
1. To apply for housing provident fund loan, the borrower shall submit a written application to the bank, fill in the application form for housing provident fund loan and truthfully provide the following information:
(1) Proof of deposit of housing provident fund of the applicant and spouse;
(2) Identity certificates of the applicant and spouse (referring to valid residence certificates such as resident identity card and permanent residence booklet) and 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;
(4) valid documents such as purchase contract and agreement;
(5) List of mortgaged property and pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of mortgage evaluation issued by relevant departments;
(6) The Provident Fund Center requires the third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract;
(7) 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.
How to handle the second-hand housing provident fund loan?
Second-hand housing provident fund loan application needs to bring information:
(1) Original and photocopy of ID card and household registration book of loan applicant, spouse, * * borrower and property owner, and account number of provident fund. Minors need to provide one-child certificate or birth certificate. The above personnel must be present and carry their personal seals; (2) Marriage certificate of the loan applicant and the borrower: the original and photocopy of the marriage certificate or divorce certificate, and the unmarried person shall provide the unmarried certificate; (3) A down payment receipt voucher of not less than 20% of the house price;
(4) The portfolio loan shall provide the borrower and the borrower's income certificate; ⑤ Original and photocopy of debit card supporting universal deposit and withdrawal function;
6. Original contract for the sale of second-hand houses;
⑦ Original and photocopy of Shangjia ID card and real estate license; Real estate appraisal report. Before 1990 (inclusive), the loan amount of the second-hand house exceeds 30% of the total house price, and after 1990, the second-hand house exceeds 50% of the total house price, which needs to be appraised by an appraisal company recognized by the agency; Pet-name ruby If the loan is extended to home, provide a copy of the loan passbook. To apply for a second-hand housing provident fund loan, the following application conditions shall be met:
1. The loan applicant must establish a housing provident fund account for more than 12 months (inclusive), and at the same time pay the housing provident fund in full for more than 12 months (normal payment includes continuous monthly payment of housing provident fund, early payment and supplementary payment), and be in the state of payment when applying for a loan.
2. With the approval of the Center, the employees of the deferred units can apply for loans if they have established a housing provident fund account for more than 12 months (inclusive) and paid the housing provident fund in full 12 months (inclusive).
3. The loan applicant can be a retired employee who has paid the housing provident fund during his working period.
4. Both husband and wife of the loan applicant shall not have outstanding provident fund loan records or policy discount business records.
In addition, it should be noted that the regulations on second-hand housing provident fund loans vary from place to place. If it is necessary to apply for second-hand housing provident fund loans, the latest regulations published by the local real estate department shall prevail. Second-hand housing provident fund loans should be handled according to the following procedures:
1. Provide the information of the buyer and the seller, fill in the standard application form of the management center, submit the evaluation and pay the evaluation fee; 2, data submitted to the management center for examination and approval, preliminary examination;
3. After passing the preliminary examination, inform the customer to go to the management center for an interview and the management center will review it; 4. After approval, sign a guarantee contract with the provident fund management center and pay the guarantee fee; 5. After the loan is approved, notify the buyer and the seller of the transfer;
6. Apply for mortgage registration after getting the new house. For the loan, see the mortgage registration acceptance form of the management center.
When handling the second-hand housing provident fund loan, you need to provide the following information:
1. Buyer: ID card, household registration book, marriage certificate, education certificate, professional title certificate, provident fund statement, temporary residence permit for foreign household registration.
2. Seller: ID card, household registration book, marriage certificate and household registration book of both husband and wife.
In addition, when handling the second-hand housing provident fund loan, the required expenses include: evaluation fee, guarantee fee, loan service fee, etc.
The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!
The introduction of the process of provident fund loan for second-hand houses ends here.