Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees. Next, I sorted out the process of Beijing housing provident fund loan guarantee. I hope you like this article!
What is the guarantee process of housing provident fund loan in Beijing?
1. Preliminary review: The housing provident fund management department will conduct a preliminary review of the materials submitted by the applicant, including the applicant's qualification, loan amount, loan period, etc. After the first trial is passed, a notice of collateral review and evaluation will be issued. Appraisal: The applicant takes the Notice of Collateral Appraisal to the designated appraisal institution to appraise the value of the purchased house. Affordable housing does not need to be evaluated.
2. Handling the guarantee formalities: The applicant shall handle the guarantee formalities by choosing the guarantee method on the basis of the Notice of Investigation on Entrusted Loan Guaranteed by Housing Provident Fund Management. If mortgage+guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage+insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution. Sign a loan contract. Housing fund management signed an entrusted loan agreement with the entrusted bank.
3, the borrower directly to the housing fund management department to apply for loans, the entrusted industry can be based on the needs of the borrower to collect application materials, unified housing fund management department for examination and approval. After the housing fund management department verifies the amount and interest rate of each loan, it signs an entrusted loan contract with the entrusted bank. According to the entrusted loan contract, the entrusted bank and the borrower respectively signed the Housing Provident Fund Entrusted Loan Mortgage Contract and the Housing Provident Fund Entrusted Loan Guarantee Contract. The entrusted bank directly transfers the loan to the "designated account" opened by the seller in the entrusted bank.
What materials are needed for Beijing housing provident fund loan guarantee?
1. The required materials for applying for housing provident fund loans are as follows: Application for Housing Provident Fund Loans is in triplicate (to be filled in at the local housing provident fund management site). 3 originals and photocopies of the household registration book, resident ID card and marriage certificate of the borrower and spouse; Singles need to provide the original and photocopy of the single certificate and divorce certificate issued by the civil affairs department.
2. 3 originals of legal and valid house purchase contract. 3 copies of the business license of the housing development unit, the pre-sale permit of commercial housing (forward delivery), the sales permit of commercial housing, the certificate of completion acceptance and the certificate of big house. Where mortgage or pledge is involved, the original and three copies of the ownership certificate of the mortgaged property or pledge right, and three originals of the written certificate of the disposition owner's consent to mortgage (pledge) shall be provided.
3. Where the guarantee is involved, the guarantor shall issue three originals of the written commitment to provide the guarantee, and provide three copies of supporting materials (including business license, financial statements for the last three years, qualification certificate, credit certificate, etc.). The guarantor has the ability to guarantee. Original and three copies of down payment documents (receipts, bank bills, cash payment bills, etc.). The borrower has paid more than the specified proportion of the house purchase price.
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