Meet the application conditions for housing provident fund loans in this Municipality;
1. The borrower must be the borrower or spouse of the original housing loan (the buyer is required);
2. The original commercial housing purchase loan has not been settled, and the bank agrees that the borrower will settle the loan in advance;
3. The original commercial housing loan has been repaid for more than one year (inclusive), with a good credit record and no overdue loan balance;
4. The purchased property has obtained the real estate license issued by the local real estate registration department, and it is a steel-concrete structure;
5. Commercial loans that can be mortgaged for the purchased real estate can be converted into provident fund loans;
6, did not apply for housing provident fund loans.
Extended data:
The loan applicant should go to the loan handling department for preliminary examination and relevant evaluation.
1. The loan applicant shall go to the loan handling department to conduct the preliminary examination of the provident fund loan with the materials required for the housing provident fund loan application.
2 according to the provisions of the need for personal credit evaluation of the loan applicant, the loan applicant shall sign a letter of credit evaluation under the supervision of the staff of the loan handling department.
3. The staff of the loan processing department prints the relevant documents and tells the loan applicant how to go through the next procedure.
4. If the house purchased by the loan applicant needs to be evaluated according to the regulations, the staff of the loan handling department will also issue a notice of mortgage evaluation to the loan applicant, and the loan applicant or entrusted agent will apply for mortgage evaluation at the evaluation institution designated by the Beijing Housing Provident Fund Management Center.
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