Yes
Second-hand housing provident fund loan application conditions:
1. The loan applicant must establish a housing provident fund account for more than 12 months (inclusive), and at the same time pay the housing provident fund in full for more than 12 months (normal payment includes continuous monthly payment of housing provident fund, early payment and supplementary payment), and be in the state of payment when applying for a loan.
2. With the approval of the Center, employees in the deferred state can apply for loans if they have established a housing provident fund account for more than 12 months (inclusive) and paid the housing provident fund in full 12 months (inclusive).
3. The loan applicant can be a retired employee who has paid the housing provident fund during his working period.
4. Both husband and wife of the loan applicant shall not have outstanding provident fund loan records or policy discount business records.
Tip: the time conditions for establishing housing provident fund account and depositing housing provident fund should be met at the same time; Time when overdue payment fails to establish housing provident fund in advance.
Municipal management of second-hand housing provident fund process
1. Provide the information of buyers and sellers, fill in the standard application form of management center, submit the evaluation and pay the evaluation fee.
2 data submitted to the management center for examination and approval, preliminary examination.
3. After passing the preliminary examination, inform the customer to go to the management center for an interview and the management center will review it.
4. After approval, sign a guarantee contract in the provident fund management center and pay the guarantee fee.
5. After the loan is approved, notify the buyer and the seller of the transfer.
6. Apply for mortgage registration after getting the new house. See the mortgage registration acceptance form of the management center for the loan.
Information needed for municipal provident fund management
Buyer: ID card, household registration book, marriage certificate, education certificate, professional title certificate, provident fund statement, temporary residence permit for foreign household registration.
Seller: ID card, household registration book, marriage certificate and household registration book of both husband and wife.
Required expenses: appraisal fee, guarantee fee and loan service fee.
State-managed second-hand housing provident fund process
1. Provide the information of the buyer and the seller, fill in the standard application form and income certificate of the National Administrative Center (note: both husband and wife of married loan customers need to issue income certificates), report to the appraisal and pay the appraisal fee.
2. The buyer and the seller go to the bank for face-to-face signing (CCB)
3. Loan information approved by the National Management Center.
4. After approval, notify the buyer and the seller of the transfer.
5. Go through the mortgage registration after getting the new house, and lend money after seeing his right certificate.
Information required by state-owned provident fund
Buyer: (Municipal Provident Fund)
Seller: ID card, household registration book, marriage certificate and household registration book of both husband and wife.
Expenses required for the state-managed provident fund: assessment fee, guarantee fee and loan service fee. Latest interest rate table of provident fund loans.
Can second-hand houses in Chengdu be loaned by provident fund?
Yes, you can. If it is the first suite, the down payment ratio is 30%, and if it is the second suite, the down payment ratio is 40%.
Second-hand housing provident fund loans need to meet the following conditions:
1. Continuously deposit the provident fund in Chengdu for more than 6 months, and ensure that it is still being deposited;
2. The age of the purchased second-hand house shall not exceed 20 years;
3. Ensure that the second-hand house has a separate bathroom and kitchen.
The Buyer shall provide the following materials:
Id card 1 piece;
2 household registration book;
3 marriage certificate;
(4) Housing sales contract or agreement;
⑤ Original down payment receipt and credit card POS or cash receipt;
6 proof of income and proof of deposit of provident fund;
⑦ Entrusted repayment account (bank savings card or passbook).
The Seller shall provide the following materials:
Id card 1 piece;
2 household registration book;
3 marriage certificate;
(4) the original property right of the house sold;
⑤ Collection account.
The specific process is as follows:
1. The buyer and the seller sign a house sales contract;
2. Both parties shall submit application materials to the window of the entrusted bank in the service hall of provident fund loan, and the entrusted bank shall accept and conduct preliminary examination.
3. After the bank has passed the preliminary examination, the appraisal company will conduct an inquest and issue an appraisal report.
4. The bank shall conduct audit according to the appraisal report of the appraisal company, the borrower's family housing registration information certificate and other materials, and report to the provident fund for approval after the audit is passed.
5. After the provident fund is approved, the borrower signs a loan contract in the bank, and the buyer and the seller go through the formalities of property right transfer.
6. The borrower obtains new property rights and completes mortgage registration procedures, and the entrusted bank obtains other warrants and other materials.
7. The provident fund is approved and issued, and the entrusted bank issues loans.
Is the second-hand housing provident fund loan in Chengdu still subject to the guiding price in 2022?
No, in 2022, Chengdu's second-hand housing provident fund loans were not based on the guidance price, and banks in Chengdu all lent money according to the evaluation price rather than the reference price.
Heavy! Policy adjustment of Chengdu Provident Fund to purchase second-hand housing loans, and the Provident Fund Center has issued a document.
Just the day before yesterday, the Chengdu Housing Provident Fund Management Center issued the "Notice on Adjusting the Re-transaction of Housing Provident Fund Loans". In order to adhere to the positioning that "houses are for living, not for speculation", Chengdu has repeatedly regulated the second-hand housing market. Last week, Chengdu issued the second batch of second-hand housing guidance prices, and yesterday issued a notice on adjusting the re-trading housing provident fund loans, which shows the determination of the Chengdu municipal government to rectify the second-hand housing market in Chengdu. Let's take a look at the changes in the loan policy of Chengdu provident fund to buy second-hand houses, and the significance of the adjustment of the loan policy of Chengdu provident fund to buy second-hand houses.
Changes after the adjustment of Chengdu provident fund loan to buy second-hand housing policy
1. Identification of the housing value of the re-traded housing: The re-traded housing is purchased by provident fund loans, and the transaction reference price of the purchased re-traded housing is announced by the housing construction department. The housing value is determined by the lowest value among the online contract price, the housing evaluation price and the transaction reference price announced by the housing construction department, and the loanable amount is calculated.
Two. Provisions on the down payment ratio of houses over 65,438+00 years old: The original provision that the minimum down payment ratio of purchased and re-traded houses over 65,438+00 years old is correspondingly increased by 65,438+00% is cancelled.
Execution time: this notice will be implemented from July 20021,15, subject to the loan acceptance time. If the original provisions are inconsistent with this notice, this notice shall prevail. Matters not involved are still implemented according to the original provisions.
The Significance of Policy Adjustment of Purchase of Second-hand Housing with Chengdu Provident Fund Loan
The adjustment of the loan policy for purchasing second-hand houses by Chengdu Provident Fund is to implement the decision-making arrangements of the CPC Central Committee and the State Council, and adhere to the position that "houses are for living, not for speculation". At the end of May, Chengdu Provident Fund Center made it clear that when purchasing a second-hand house to apply for a housing provident fund loan, the value of the house should be determined and the loanable amount should be calculated according to the lowest value of the online contract price confirmed by the construction department, the housing evaluation price and the transaction reference price announced by the housing construction department. Therefore, after the second batch of second-hand housing guidance prices in Chengdu came out, the Provident Fund Center issued a document stressing that. The second adjustment of the re-trading house in 10 only relaxed the minimum down payment ratio of this kind of house and had no effect on others.
In fact, the second-hand housing market in Chengdu has been slowing down since it was regulated in March this year. The average transaction price in Chengdu in June was 15008 yuan/_, and that in July was about 14367 yuan/_, down 4.3% from June. Now it is almost halfway through July, and the number of second-hand housing transactions has not yet reached thousands. After the adjustment of the loan policy for purchasing second-hand houses by Chengdu Provident Fund was officially implemented on July 15, the down payment pressure for purchasing second-hand houses increased, and it is estimated that more second-hand house buyers will turn to the new housing market.
For more details, please consult the sales department: 400-819-2059ext 1073.
Can second-hand houses be bought with provident fund loans?
Second-hand houses can be purchased through provident fund loans, but they must meet the following conditions:
1, a natural person with full capacity for civil conduct, who does not exceed the statutory retirement age stipulated by the state, pays the housing provident fund in the housing provident fund management center;
2. Employees with permanent residence or valid residence identification;
3. At the time of application, the housing provident fund has been continuously and normally deposited in the provident fund center for more than 6 months (inclusive), and the provident fund has not been withdrawn to pay the down payment for the proposed house purchase, and there is no balance of provident fund loans;
4. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than the specified proportion of the value of the purchased housing;
5. Have a relatively stable economic income, have the corresponding loan repayment ability, and have good personal credit.
Handle the loan formalities of second-hand housing provident fund.
1. Sign the payment agreement.
The purchaser carries the original and photocopy of the ID card and provides the account number of the housing provident fund for both husband and wife; The house seller shall go to the housing provident fund management center with the original and photocopy of the real estate license, state-owned land use right certificate, deed certificate and ID card. After the housing provident fund management center verifies that the buyer meets the housing provident fund loan conditions, the buyer and the seller sign a loan fund transfer payment agreement.
2. Entrusted assessment
The loan applicant entrusts a housing appraisal institution recognized by the housing provident fund management center to evaluate the transferred house and issue an appraisal book.
3. Housing transfer
The buyers and sellers handle the house transfer formalities in the real estate registration department, sign the house sales contract, complete the deed tax payment formalities in the tax collection and management center, and obtain the property right certificate after the transfer.
4. Loan application
The loan applicant shall fill in the Application Form for Individual Housing Provident Fund Loan at the Housing Provident Fund Management Center with the materials required for the aforementioned provident fund loan, and make a record of the loan interview.
5. Lending approval
Housing provident fund management center is responsible for the preliminary examination and approval of loan applicants' loan applications.
6. Sign a loan contract
Sign loan contracts, handle insurance and notarization procedures.
7, for housing mortgage registration.
The loan applicant holds the loan contract to the entrusted bank, and after examination and approval, sends it to the accreditation center for housing mortgage registration, and submits the acceptance notice to the housing provident fund management center.
8. Lend loans
After receiving the mortgage "Property Ownership Certificate", the Housing Provident Fund Management Center will notify the entrusted bank to issue loans.
9, repayment
The borrower shall repay the loan principal and interest on a monthly basis in accordance with the loan contract.
10, the contract is terminated.
After the borrower pays off the loan principal and interest, the loan contract is terminated and the entrusted bank issues a loan settlement certificate. The lender takes back the mortgage Property Ownership Certificate (combined loan to the entrusted bank) from the housing provident fund management center and goes through the mortgage cancellation registration with the housing property registration department.