Can I use the provident fund loan to purchase additional relocated houses?
Provident fund loans can be used to buy relocated houses. In the process of relocation and resettlement, employees of the company may apply for housing provident fund loans from the municipal housing provident fund management center if the funds are insufficient due to the increase in the area of the property to be purchased.
1. application: the lender shall provide the information required for the loan to the provident fund management of provincial units as required.
2. The bank conducts credit investigation and loan approval. No matter how you choose to buy a house with a loan, this step is inevitable and it will take some time.
3. Signing a loan contract: The lender goes to the bank to sign the loan contract with relevant materials.
4. Go through the formalities of housing property insurance and mortgage registration: the loan must go through the formalities of insurance and mortgage registration.
5. Loan transfer: After confirming that the mortgage registration has been completed and the loan contract has come into effect, the loan undertaking bank will transfer the loan to the account designated by the borrower and the borrower on the date agreed in the contract, and send the loan receipt to the borrower.
6. Loan recovery: The lender shall repay the loan according to the loan contract in the month following the loan issuance.
7. Cancellation of loan settlement: After the lender pays off the loan principal and interest, the bank will issue a loan settlement certificate and go through the mortgage registration cancellation procedures.
Which bank should I go to for the mortgage loan of the relocated house?
1, China Construction Bank? Electronic channels are very convenient.
Citizens who want to apply for provident fund personal housing loans through China Construction Bank can submit a written loan application and submit relevant materials as long as they have the relevant provisions of the housing provident fund management department (loan amount, term, interest rate and method), and the Construction Bank will apply to the housing provident fund management department after accepting it.
2. ICBC? Automatic transfer of agreed withdrawal of housing provident fund
ICBC provident fund loans also have many supporters. Its procedure is similar to that of China Construction Bank. The special housing funds issued by ICBC to those who pay the housing provident fund include affordable housing, commodity housing, two-limited housing and housing reform housing.
3. Agricultural Bank? Individual housing revolving loan
Agricultural Bank of China provides various housing loans, among which individual housing revolving loans are more distinctive. Individual housing revolving loan refers to the person who applies for individual housing loan in Agricultural Bank or other financial institutions, and can apply to Agricultural Bank for a personal loan that can be recycled within the validity period of the loan based on the high mortgage set for the housing purchased by the previous loan.
4. China Merchants Bank? Purchase exclusive decoration loan
China Merchants Bank's housing loan division is very fine. First-hand housing loan, second-hand housing loan, exclusive decoration loan for house purchase and exclusive parking space loan for house purchase. A set of mortgage loans of China Merchants Bank belongs to commercial loans, and its more attractive point is that there is no upper limit on the amount.
Can I use the provident fund loan to buy the relocated house, and which bank can I go to for the mortgage loan? After the above introduction, do you have a certain understanding and understanding? In fact, when handling the mortgage loan of the relocated house, we should first understand the personal conditions, and then understand the advantages and disadvantages of each bank, so as to know which bank to choose and avoid the buyers taking detours.