Documents: The materials that individuals need to submit to apply for provident fund housing loans include a copy of the applicant's ID card, a copy of the applicant's household registration book (including the home page), the original income certificate of the applicant, and the original deposit certificate of the applicant's provident fund. Original purchase contract and purchase down payment invoice.
Extended data:
Matters needing attention in buying a house with a loan:
1. Before the house is repossessed, the invoice for the loan to buy a house includes the down payment invoice and the loan invoice. If you buy an existing house, you need to pay taxes with these two invoices.
2. If you buy an auction house with poor area, the developer will generally re-open a down payment invoice and recover the previous invoice. If the down payment invoice is accidentally lost, the developer will not change the invoice, and the buyer needs to go through the formalities of missing the invoice, because once the invoice is lost, there is no way to make up it.
3. Personal credit information is very important when handling commercial loans. If there is a six-month overdue record for three consecutive months, basically no bank will lend.
4. The proof of income should cover 2 times of the liabilities under the personal name, and the month of bank flow should be issued according to the requirements of specific banks. Small businesses may need to provide a copy of their business licenses.
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