Legal subjectivity: Recently, many people are interested in how to buy a house with loans from Chengdu housing provident fund. First, how to buy a house from the Chengdu housing provident fund loan? The specific process of Chengdu housing provident fund loan is as follows: employees provide necessary materials-entrust the bank to audit-management center to audit-handle loan guarantee procedures-sign loan contract-handle loan mortgage-entrust the bank to issue loans. Second, Chengdu Provident Fund Loan Policy According to the Chengdu Provident Fund Management Center, Chengdu Provident Fund Center will make new policy adjustments to Chengdu Provident Fund. On the basis of strictly implementing the national macro-control policy, the new policy has adjusted the application conditions, examination methods and loan issuance of housing provident fund loan cooperation projects. The purpose of this adjustment is to further strengthen the supervision of the loan cooperation building, strengthen the Chengdu provident fund loan service, and meet the needs of the majority of paid employees to use the Chengdu provident fund loan quickly and in time. The new policy of Chengdu provident fund loan issued by Chengdu this time points out that after the formal implementation of the new policy, the development enterprises that have established the cooperative relationship of commercial housing mortgage loans and meet the application conditions of project cooperation will not be restricted by the project construction progress after obtaining the pre-sale permit of commercial housing. Chengdu Provident Fund Center will publicize the signed housing provident fund loan cooperation projects in time through the central portal website, and dynamically monitor and inspect the construction progress and sales of the real estate to ensure effective prevention of loan risks and legal use of loan funds. The adjustment of the New Deal not only further strengthens the supervision of Chengdu provident fund loan cooperation projects, but also puts forward stricter requirements on the processing time limit of "one-stop loan" service, so that loan applicants can use Chengdu provident fund loans in a timely and convenient manner. Three. Legal liability measures Article 48 If a borrower obtains a provident fund loan by deception, the provident fund center shall register his bad behavior and cancel his qualification for provident fund loan within five years from the date of registration.
Second, can the foreign provident fund buy a house in Chengdu?
can
The provident fund in different places can borrow money to buy a house in Chengdu. Workers who normally deposit provident fund in housing provident fund centers outside Chengdu can purchase self-occupied housing within the administrative area of Chengdu. Employees can apply for provident fund loans from Chengdu Housing Provident Fund Center only by holding the certificate of deposit in different places and the details of deposit in different places issued by the housing provident fund management center in the place of employment.
Third, can Chengdu use the off-site provident fund to buy a house?
For foreigners, buying a house will generally give priority to applying for provident fund loans. According to the regulations, foreigners can apply for the use of provident fund in different places when buying a house in Chengdu, but they need to meet certain conditions.
Yes, as long as certain conditions are met, you can apply for an off-site provident fund loan in Chengdu. The so-called off-site provident fund loan refers to the fact that the provident fund has been deposited in the housing provident fund management center of the place of employment (except Chengdu) for more than 6 months (inclusive), and the owner-occupied housing is purchased in the administrative area of Chengdu, and the provident fund loan can be applied by the certificate of provident fund deposit issued by the off-site center.
During the repayment period of employee loans paid in different places, such as the transfer of personal accounts of housing provident fund, it will be transferred from the original urban provident fund center to the urban provident fund center. After transferring to the urban provident fund account, the loan situation in different places will be re-identified and recorded in time.
The gold center in different places should cooperate with the provident fund center of the loan city to carry out loan collection and other work, and the loan post can deduct money according to the loan contract.
What are the precautions for buying a house loan in Chengdu? 1. If it is difficult to repay the loan, don't forget that your ability to find someone is declining. If you have difficulty repaying the loan, don't insist on it yourself. ICBC customers can apply to ICBC for extending the loan term. After the loan principal and interest are paid off, China Industrial and Commercial Bank will accept your application for extending the loan term.
2. Don't forget to inform when renting a house after the loan. During the loan period, the lessee must be informed of the mortgage fact in writing.
3. Mortgage loan. When you have paid off all the loan principal and interest, you can go to the district and county real estate trading center where the property is located to cancel the mortgage with the loan settlement certificate of Chengdu Bank and other property rights certificates of the collateral.
4. Don't lose the loan contract and IOUs. To apply for a mortgage loan, the loan contract and IOU signed by Chengdu Bank are all for 30 years. As a borrower, you should take good care of your contracts and IOUs. 4. Can the foreign provident fund buy a house in Chengdu?
According to the regulations of Chengdu provident fund management policy, if you want to use provident fund loans in Chengdu, you must pay 1 year continuously in Chengdu before you can apply. Because your provident fund is from other places, you can't use it. In addition, Chengdu is a restricted city, and you need to see if you are qualified to buy a house. If so, if you want to use Chengdu's provident fund, you can try to transfer to Chengdu.