(1) The Approval Form for Housing Provident Fund Loan Application is made in triplicate, which will be filled in by the Housing Provident Fund Management Center on site.
(2) The original and three copies of the household registration book, ID card and marriage certificate of both husband and wife.
(3) 3 originals of the legal and valid house transaction contract signed with the house property owner (including the house owner); If the house transaction contract is not signed, 3 original written certificates of consent to the sale shall be provided.
(4) The ownership certificate of the transaction house, that is, the original and three copies of the real estate license. * * * Some houses need to provide the original and three copies of the real estate license.
⑤ Three originals and photocopies of prepaid house purchase bill and deed tax payment certificate.
⑥ In case of mortgage or pledge guarantee, the original and three copies of the ownership certificate of the mortgaged property or pledge right shall be provided, and three originals of the written certificate of the disposition owner's consent to mortgage (pledge) shall be provided. If the purchased house or other collateral is mortgaged, it is also necessary to provide 3 originals of the evaluation report on the transaction house or other collateral issued by the evaluation institution recognized by the lending institution.
All landowners involved in the guarantee, the guarantor guarantee ability certificate in three copies (including business license, financial statements for the last three years, qualification grade certificate, credit grade certificate, etc. ) should be provided.
Precautions:
1. According to the loan contract, the amount due in the current month shall be fully deposited into the repayment account before the repayment date of each month.
2. If it is necessary to pay the bank card, annual discount or small account management fee to the bank according to the regulations of the bank, the borrower shall ensure that the balance in the repayment card (discount) is enough to repay the monthly loan of the current month, so as to avoid loans overdue caused by insufficient balance in the card (discount).
3. The borrower who adopts the equal monthly payment or average capital repayment method applies for early repayment. If the loan issuing bank is Bank of Communications, Agricultural Bank of China, Bank of China, Industrial and Commercial Bank of China and China Construction Bank, the borrower himself should avoid the repayment date and three working days before and after, and go to the loan business department for early repayment with his ID card and photocopy and loan contract. At the same time, he must pay attention to loans overdue, and cannot handle prepayment business.
4. If the borrower who adopts the free repayment method adjusts the monthly repayment amount or applies for paying off the loan in advance, it can go through the relevant procedures in accordance with the free repayment operation manual of Beijing Housing Provident Fund Management Center.