Now the unit will pay five insurances and one gold for its employees. But one of the five insurances and one gold refers to the housing provident fund, so what is the provident fund to buy a house? Today, Bian Xiao will answer your questions. Friends who want to know may wish to have a look with Bian Xiao!
First, what is the provident fund to buy a house?
Housing provident fund refers to the special funds entrusted by the housing provident fund management center to the bank for loan purchase or construction of owner-occupied housing.
Second, the provident fund loan to buy a house process
1. application
First of all, the lender should apply to the local provident fund management center for provident fund loans as required, and make preparations according to the information required for loans.
2. First instance center
After accepting the lender's application, the provident fund management center will also review the lender's loan qualification, loan amount, loan term and loan information.
3. Credit investigation
After the preliminary examination of the provident fund management center is completed, the lending bank will conduct a pre-lending credit investigation on the lender himself, and after the investigation is completed, the lending bank will make comments.
4. Sign a loan contract
After the lender is approved, it is required to bring his ID card, household registration book, bank card and other materials to the bank that handles the loan to go through the formalities of signing the loan contract.
5. Insurance and mortgage registration procedures.
The lender shall sign a loan contract with the bank, and the borrower shall go through the insurance and mortgage registration procedures as required by the bank, and the expenses arising therefrom shall be borne by the lender personally.
6. Loan allocation
After the mortgage bank completes the mortgage registration, the provident fund loan contract becomes effective, and then the lender only needs to deposit the loan into the designated account within the date agreed in the contract.
Bian Xiao concluded: The above is what Bian Xiao shared for you: the process of buying a house with provident fund and the process of buying a house with provident fund loans. I believe that everyone will have a corresponding understanding after reading the above sharing. If you need more information, please continue to pay attention to Qijia. Com website. Bian Xiao will answer your questions one by one.
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