Personal data: 4 copies of the identity certificate of the individual (hereinafter referred to as the borrower) applying for the loan and the relevant identity certificate of the spouse (ID card or other valid documents); Four copies of the borrower's marriage certificate (single certificate, marriage certificate, divorce certificate or divorce judgment, and the widowed person must provide the death certificate of the other party); 4 copies of valid vouchers for payment of house purchase price; 4 copies of the income certificates of the borrower and spouse respectively; 4 originals of legal house purchase contract; And the seal of the borrower and his spouse. In addition, the borrower's housing provident fund deposit certificate is required. Be sure to bring the originals and corresponding copies of these materials.
Housing construction and review materials: pre-sale (sales) permit of commercial housing or approval of housing reform; Construction project planning permit; Construction permit for construction project; Construction land planning permit; State-owned land use certificate; View floor plan and floor plan.
Buyers who meet the conditions of housing provident fund loans can apply for provident fund loans at the entrusted banks and handling outlets, or at the nearest provident fund management center or sub-center and management department.
First of all, we should ask the developer about the project mortgage bank, and ask whether the "five certificates" of the real estate are complete and whether we can provide relevant procedures for ourselves. If developers do not provide property buyers with "five certificates", it is impossible to apply for provident fund loans.
Within the statutory retirement age, the longest loan period is 30 years; The maximum loan amount is not more than 400,000 yuan, and the loan amount is less than 300,000 yuan. The borrower can directly apply to the entrusted bank, and the loan amount of 300,000-400,000 yuan needs to be approved by the housing provident fund management center.
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