1. The borrower directly applies for a loan from the municipal capital center. Processing flow:
The first step is to consult in the center and get the application form: the buyers and sellers of the house and their spouses (unmarried or divorced, they should issue certificates) pre-register in the city financial center, and get the application form for provident fund loan in the name of the seller with the original house ownership certificate, state-owned land use certificate, household registration book, ID card and marriage certificate.
Step 2: The borrower shall submit the following loan information to the municipal capital center:
(1) provident fund loan application form;
(2) proof of deposit of provident fund (or household registration book of housing provident fund) and proof of economic income;
(3) the evaluation report of the purchased house;
(4) The stock house sales contract signed by the buyer and the seller;
(5) Real estate license and state-owned land use certificate in the name of the original seller (original and photocopy);
(6) Both husband and wife's ID card, household registration book and marriage certificate (original and photocopy, and single employee shall provide single certificate. )
Step 3: Acceptance and approval by the "center": the municipal capital center accepts the information of loan applicants, and determines the loan amount and term after approval.
The fourth step is transaction transfer: the buyer and the seller go to the real estate bureau and the Land and Resources Bureau to handle the transfer procedures of the "two certificates" transaction.
Step 5: Sign the contract: the borrower holds the transferred "two certificates" and deed tax payment invoice (original and photocopy), the municipal capital center issues a loan commitment letter to the designated bank, signs loan documents such as loan contract and mortgage contract, and the seller opens a special deposit account in the loan bank.
Step 6: Mortgage: The borrower goes to the real estate bureau to register the mortgaged house and get the real estate license.
Step 7: Lending: After all the loan procedures are completed, the municipal capital center will directly transfer the loan funds to the deposit account opened by the seller through the bank.
Step 8: Monthly repayment: The borrower repays the loan principal and interest on a monthly basis according to the loan contract until the loan is fully paid off.
Step 9: Settle the loan: When the borrower settles the last loan, I shall personally go to the loan bank and go through the repayment settlement procedures at the counter.
Step 10 Mortgage Cancellation: After the borrower has repaid all the loan principal and interest, he shall go through the mortgage registration cancellation formalities with the original real estate mortgage registration department with the settlement certificate and mortgage cancellation certificate issued by the loan bank, the original house purchase contract or real estate license and personal ID card.
2. The borrower entrusts an intermediary company to handle the formalities.
In the first step, the borrower directly consults with the guarantee company or intermediary company to obtain the loan application form.
Step 2: The borrower submits a complete set of loan information to the guarantee company or intermediary company, which will send it to the municipal capital center for approval.
Step 3: The municipal capital center will issue a loan commitment letter after examining and approving the loan qualification, amount and term.
Step 4, the guarantee company or intermediary company handles the transfer procedures of real estate license and land certificate for the buyers and sellers of houses, and the loan bank signs a loan and mortgage contract with the borrower, and signs a tripartite agreement with the guarantee company or intermediary company to provide guarantee.
Step 5 After the transfer of the real estate license, the municipal capital center can release the loan funds, and directly transfer the loan funds into the deposit account opened by the seller through bank transfer, and the borrower will repay the loan principal and interest on a monthly basis from the month following the loan contract.
Step 6: The guarantee company or intermediary company handles the mortgage registration formalities for the borrower, and submits the house ownership certificate to the loan bank for safekeeping and filing.
To sum up, if you buy a second-hand house in Fuxin (with an area of 52 square meters), you can apply for a provident fund loan. You can refer to the above process.