Provident fund loans to buy a house do not have real estate licenses, but there are purchase contracts and purchase agreements that can be used for loans.

Requirements for applicants to apply for provident fund loans:

Deposit housing provident fund, even in rural areas, you can apply for housing provident fund loans;

I and my unit have paid the housing provident fund in full and on time in this city for more than one year;

Have a stable professional income, good credit and the ability to repay the principal and interest of loans;

There is a legal contract or agreement for the purchase of owner-occupied housing, and there is a prescribed proportion of self-raised funds;

The assets stipulated in the guarantee law are mortgage or pledge of loans;

Agree to apply for house purchase guarantee or mortgaged property insurance;

Agree to other conditions stipulated by the housing provident fund management center.

Second, the most detailed process of Shenyang second-hand housing provident fund loan?

Step 1: Consulting center, get the application form: the buyers and sellers of the house and their spouses (unmarried or divorced, they should issue certificates) hold the original certificates such as real estate license and state-owned land use certificate in the seller's name, as well as the original household registration book, ID card and marriage certificate, and go to the city capital center to pre-register and get the application form for provident fund loans.

Step 2: The borrower submits the loan information to the municipal capital center.

Step 3: The Center accepts the examination and approval.

The fourth step: transaction transfer: both buyers and sellers of houses 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 "two certificates" and deed tax payment invoice (original and photocopy) that have been transferred to the municipal capital center, and the municipal capital center issues a loan commitment letter to the designated bank to sign loan documents such as loan contract and mortgage contract, and the seller opens a special deposit account in the loan bank.

Step 6: apply for 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.

3. What is the process of using provident fund loans for second-hand housing transactions in Shenyang?

Shenyang second-hand housing provident fund mortgage loan is divided into seven steps, and the specific process is as follows:

1. The borrower consults at the Housing Provident Fund Center and obtains the application form: the buyer and the seller and their spouses (unmarried or divorced, certificates should be issued) go to the Municipal Housing Provident Fund Center for pre-registration with two originals of the house ownership certificate and the state-owned land use certificate in the name of the seller, as well as the original household registration book, ID card and marriage certificate.

Two, the borrower to submit the following loan information to the municipal capital center:

(1) provident fund loan application form;

(2) proof of provident fund deposit (or proof;

(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 under the name of the original seller (original)

(6) Copies of ID cards and household registration books of both husband and wife, and single employees shall provide single certificates. )

Three. Acceptance and approval of housing provident fund center: the municipal housing provident fund center accepts the information of loan applicants, and approves and determines the loan amount and term.

Four. Transaction transfer: the buyer and seller of the house go to the real estate bureau and the land and resources bureau to handle the transfer formalities of the warrant transaction.

Verb (abbreviation of verb) sign a contract: the borrower goes to the city housing provident fund center with the transaction transfer certificate and deed tax payment invoice (original and photocopy), and the city housing provident fund center issues loan documents such as commitment letter to the designated bank, and the seller opens a special deposit account in the loan bank.

6. Mortgage: The borrower goes to the real estate bureau to register the mortgaged house and obtain the real estate license.

7. Lending: After all the loan procedures are completed, the municipal housing provident fund center will directly transfer the loan funds to the deposit account opened by the seller through the bank.

Four, Shenyang second-hand housing provident fund loan process

Legal subjectivity: 1. The loan applicant must establish a housing provident fund account for more than 12 months (inclusive), and 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 overdue 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. The general content of the second-hand housing provident fund loan is as above.

Legal objectivity: second-hand housing provident fund loan process: 1. Applicants who meet the conditions of the first trial loan will go to Qingdao Housing Provident Fund Management Center for business consultation with their own and spouse's ID cards. According to the applicant's provident fund deposit, house price and housing completion years, the staff initially calculated the loanable amount and years, and issued the Qingdao Housing Provident Fund Loan Application Approval Form to eligible applicants. Two. Surveying and mapping evaluation (1) The buyer holds a copy of his ID card and a copy of the property right certificate of the purchased house to Qingdao Real Estate Trading Center 1 ~ 9 window for listing qualification examination and surveying and mapping of the second-hand house. (2) Both the buyer and the seller should go to the designated house appraisal institution for house appraisal.