Due to the differences of housing provident fund loan policies in different places, the process of buying a house with housing provident fund loans in different places is also different. What is the process of buying a house with housing provident fund loans in Qingdao's three districts? The following small series will give you a detailed introduction.

I. Location of handling

Qingdao housing fund management center jurisdiction management division

Second, handle the required materials.

Tip: If you need copies of the following materials, you must bring the originals with you. After checking, the management personnel will return the original to the applicant, and all copies will be copied on A4 paper.

(a) "Qingdao housing provident fund loan application approval form" (printed on the front and back);

(two) proof of salary income (official seal of the unit);

Note: The time for issuing the income certificate cannot exceed one month from the loan date.

(3) proof of identity and marriage relationship

1. Identity certificate: copy of applicant's (and spouse's) ID card 1 copy, index page of household registration book, copy of single page 1 copy (single page of household registration book is provided for collective accounts);

Note: Applicants who are not registered in this city are required to provide valid residence certificates in this city.

2. Proof of marriage relationship:

(1) Married people need to provide a copy of the marriage certificate, and the household registration book can reflect the relationship between husband and wife without a marriage certificate;

(2) If the applicant has never been married, divorced or remarried, it is necessary to sign a written statement on the spot.

In case of any of the following special circumstances, relevant certification materials shall also be provided:

A the marital status of the household registration book provided by the applicant is marked as married;

B the marital status of the applicant in the credit information system of China People's Bank is married;

C, housing provident fund comprehensive trading system has loan records, and it is found that both husband and wife apply for loans.

In case of the above situation, in addition to signing a written statement, the applicant should also provide a divorce certificate, a civil judgment or a civil conciliation statement issued by the court, or a spouse's death certificate, a household registration cancellation certificate and other related materials according to the specific circumstances. If the applicant has any objection to the marital status recorded in the credit information system, it shall handle the objection.

Note: If the applicant fails to sign the affidavit at the site of the management office, the affidavit must be signed by a notary, or the affidavit signed by him must be notarized.

(four) a copy of the original purchase contract; (Note: If the pre-sale registration of commercial housing has been completed, a copy shall be provided at the same time. );

(5) A copy of the down payment invoice or receipt (sealed by the developer);

(6) Copy of floor plan and layout plan (with the official seal of the developer stamped in red ink, and the applicant's signature is fingerprinted; If the floor plan and floor plan are attached to the house purchase contract, they need not be provided separately);

(seven) for * * * * property rights, it is necessary to provide a copy of * * * * ID card and household registration book;

(eight) a copy of the provident fund joint card (if you don't apply for a loan with a joint card, you can apply on the spot).

(nine) other certificates or materials required by the municipal management center.

Third, the handling process

(a) the applicant holds a spouse ID card to the housing provident fund management office in the jurisdiction for consultation; The staff of the management office examines the applicant's loan qualification and calculates the loanable amount; Meet the loan conditions, issue the "Qingdao Housing Provident Fund Loan Application Approval Form" to the applicant.

(2) The applicant shall fill in the Application Approval Form for Housing Provident Fund Loan in Qingdao as required, and provide the required materials according to the type and area of the house purchased. After the loan application is accepted, the center collects relevant materials, conducts credit inquiry and issues pre-trial opinions; If the applicant fails to apply for a joint housing provident fund card, it shall apply for a joint housing provident fund card in accordance with the regulations.

(3) The Center shall review the materials provided by the applicant, and notify the applicant to sign the Housing Provident Fund Mortgage Loan Contract after passing. After the contract is signed and sealed by both parties, the borrower shall go through the mortgage registration formalities at the real estate registration department. (For portfolio loans, the borrower shall sign loan contracts with the center and the bank respectively. )

(4) After the mortgage registration formalities are completed, the staff of the management office shall go through the transfer formalities after receiving the Property Ownership Certificate or the House Mortgage Advance Registration Certificate.

(five) after the transfer, notify the borrower to get the loan transfer certificate and other materials from the management office.

Tip:

If the loan applicant (spouse) cannot go through the loan formalities in person, he must go through the notarization formalities. The contents of the notarial certificate should not only make it clear that the trustee will handle the housing provident fund loan on his behalf, but also make it clear that the trustee will sign the Power of Attorney for Personal Credit Information Basic Database Provident Fund Loan on his behalf.

(The above answers were published on 2015-11-30. Please refer to the actual purchase policy. )

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