The first step is to choose a house, pay a down payment, sign a house purchase contract agreement with the real estate developer, and pay a certain down payment to the other party.
1, the first suite purchase, commercial loan down payment is generally at least 30%; The State Council has clearly stipulated that the down payment for buying a second home should not be less than 40%.
2. Apply for a provident fund loan to buy a house with a construction area of no more than 90 square meters and a minimum down payment of 20%; The building area is more than 90 square meters, and the minimum down payment is 30%.
Step 2: Apply for a loan from the selected bank or local housing provident fund management center, fill in the loan application form, and submit it together with the application materials after filling in and confirming that the information is correct.
The materials to be prepared mainly include: 1, personal ID card, local household registration book or temporary residence permit (if you apply with your spouse, you should also provide your spouse's ID card and marriage certificate).
2. The purchase contract agreement signed with the real estate developer and the down payment receipt.
3, proof of economic income, such as bank running water, payroll, etc.
Step 3: After the loan review bank/housing provident fund management center accepts the loan, it will review the information provided and check its credit report to see if it meets the loan conditions; And will arrange an evaluation agency to evaluate the value of the purchased property, then calculate the loan amount and determine the loan term.
The conditions of provident fund loans and commercial loans are summarized as follows: 1, at least 18 years old, with full capacity for civil conduct; 2. Have a local permanent residence or valid residence status; 3, in line with local housing policies (local regulations vary); 4. Personal credit is good, and there is no bad record in the credit report; 5. Have a stable source of economic income and the ability to repay the loan principal and interest on time; 6. Housing provident fund shall be paid locally (if loans are made in different places in the same city, housing provident fund paid in different places may also be used); 7 housing provident fund has been paid in full and on time for half a year or one year; 8. The housing provident fund account in the month of application is in a normal deposit state; 9. No provident fund loan or the loan has been settled; 10. Other conditions stipulated by the lending bank (such as providing mortgage/pledge of assets recognized by the bank or units or individuals with sufficient compensation capacity as guarantors).
Step 4: Sign the contract and handle the mortgage. After receiving the news of approval, sign a loan contract at the outlet within the agreed time and go through the mortgage registration formalities at the local housing management department.
Step 5: Lend the loan funds. The bank will transfer the loan funds to the designated bank card, and the subsequent system will transfer the funds to the collection account of the selling unit.
You can click Query in "Beijian Quick Check", enter information and query your own credit data. The query results will show important data information such as personal credit status, network black index score, blacklist, online loan application record, application platform type, overdue, overdue amount, credit card, estimated online loan credit amount, etc.
Extended data:
Can I take out the provident fund at one time after buying a house with a loan?
After buying a house with a loan, the provident fund can be taken out at one time, and the provident fund can be used to hedge the loan repayment business. After all, one of the extraction conditions of the provident fund is to repay the principal and interest of the housing loan.
As long as the buyers choose the method of annual mortgage, they can withdraw the balance of the provident fund account once a year to offset the principal payable by the mortgage.
Of course, you can also choose to charge monthly. At this time, the system will deduct the corresponding amount from the provident fund account every month to repay the principal and interest payable in the current month.
It should be noted that even if the provident fund hedging loan repayment business is handled when applying for a mortgage, after the mortgage is approved, it will generally be repaid with its own funds in the first month, and it will not be until at least the next month that the provident fund hedging loan repayment can be started.
In addition to the provident fund for mortgage repayment, if you want to buy a house in the future, you can also directly apply for the withdrawal of the provident fund; And overhaul, renovation, self-built self-occupied housing can also apply for withdrawal of provident fund.
Also, non-local personnel terminate labor relations with their units and leave the city; Or completely lose the ability to work and terminate the labor relationship with the unit; Or move out of the city; If you leave the country to settle down, you can also withdraw the provident fund.
However, due to accidents and serious illness, family life is difficult, and provident fund can also be used.