Housing provident fund is usually purchased by companies. After purchasing the provident fund, you can use the provident fund loan. Let's look at the process of buying a house according to the advantages of provident fund and provident fund loans. If it is necessary to apply for provident fund loans, the lender needs to apply for loans from the provident fund management center and provide the information needed for loans. The core of provident fund loans is the first instance. When receiving the loan application from the lender, the provident fund management center will review the lender's qualification, loan amount, loan term and loan materials, and put forward opinions. Sign the provident fund loan contract. When the lender passes the audit of the provident fund center, it will receive the loan notice from the undertaking bank. At this time, the borrower only needs to carry his ID card, thin account book, bank account number, etc. , and transfer money to the bank for loan. Contract signing procedure.

After the contract for home insurance and mortgage registration is signed with the bank, the lender needs to register insurance and mortgage according to the regulations, but the expenses incurred in the process need to be borne by the lender. When the lender goes through the mortgage registration formalities, the loan contract will also take effect. The bank will allocate the loan to the lender and the sales lender according to the contract date and return the loan to the lender. The income of provident fund loans has always been lower than that of commercial loans, and housing provident fund loans are policy loans. The advantage of comparative advantage is that the interest rate is low, and the interest rate of housing provident fund loans is about 2 percentage points lower than the benchmark of housing loans of commercial banks.

Housing provident fund loan interest can bear personal income tax. According to the relevant laws and regulations, the taxable amount of the taxable amount of the monthly salary has decreased, so the personal funds that should be paid by individuals should be paid. Limited restrictions, buyers who choose a larger room provident fund loan to buy second-hand houses have relatively small shopping restrictions. As long as the institutions and loan life have increased by more than 50 years, provident fund loans can be made.

If you use a reserve loan when buying a house, you can apply for all the loans in advance if you want to repay in advance. If you are newly registered, as long as you meet the requirements, the information has been completed. Smooth. Moreover, the prepayment policy of provident fund loans is loosely set, and the time, amount and frequency are unpredictable, so that borrowers can prepay without charging any fees, and commercial loans will pay a certain amount of liquidated damages in advance. The first part introduces the process of purchasing houses by provident fund and the advantages of provident fund loans. There are many advantages to buying a house with provident fund loans, so everyone is buying a house with loans. If you buy a house to support provident fund loans, then everyone can apply for a loan to apply for their own provident fund.