2. Baoji promulgated the "Measures for the Implementation of the Loan Business of Housing Provident Fund in Different Places in Baoji City" (hereinafter referred to as the "Measures"), which came into force on June 1 2065438. Workers who have paid housing provident fund in other cities in Shaanxi Province can also apply for provident fund loans if they want to buy a house in Baoji.
Housing provident fund is paid in the province, and you can apply for provident fund loans when you buy a house in Baoji.
The "Measures" stipulate that off-site loans refer to employees who have normally paid housing provident fund in housing provident fund management centers (including sub-centers) in districts and cities of Shaanxi Province 10 and Yangling Demonstration Zone. When buying ordinary self-occupied commercial housing in Baoji city, apply for personal housing provident fund loan from Baoji Housing Provident Fund Management Center. The off-site loan funds are provided by Baoji Housing Provident Fund Management Center, which is responsible for the organization, implementation, guidance, supervision and inspection of off-site loan business, as well as the examination and approval of eligible off-site loan business.
The Housing Provident Fund Deposit Center issued the Employee Housing Provident Fund Deposit and Loan Certificate (Purchase in Different Places) to Baoji Housing Provident Fund Management Center to assist Baoji Housing Provident Fund Management Center in investigating the borrower's repayment ability and credit status; Timely inform Baoji Housing Provident Fund Management Center of the borrower's housing provident fund deposit and personal information changes; Assist Baoji Housing Provident Fund Management Center to collect overdue loans.
The risk of off-site loans shall be borne by Baoji Housing Provident Fund Management Center. However, the depository center shall ensure that the information such as deposit certificate, debt situation and credit information issued by it is true and correct; The risk caused by providing false information shall be borne by the depository center.
Three, to apply for a loan in different places should also meet the following conditions:
Housing provident fund management centers (including sub-centers) in Shaanxi Province 10 districts and cities and Yangling Demonstration Zone have paid the housing provident fund in full and on time for more than 6 months; I or my spouse purchase self-occupied ordinary commodity housing in the administrative area of Baoji City, and the purchased property has been registered in the center and the individual has signed a formal online shopping contract; Have the ability to repay the principal and interest of the loan, have a good credit, and have no bad credit record through the credit information system of the People's Bank of China; The first suite must have its own funds to pay more than 20% of the total housing purchase price; There are no outstanding personal housing provident fund loans, commercial loans or other debts; Other conditions stipulated by laws, regulations and rules.
Fourth, off-site loan process
Apply. The borrower applies to the credit business window in the lobby on the first floor of Baoji Housing Provident Fund Management Center, and receives the Application Form for Entrusted Loan of Baoji Housing Provident Fund, the Certificate of Deposit and Loan of Employee Housing Provident Fund (Purchase in Different Places) and the Certificate of Applicant and Spouse Unit of Baoji Housing Provident Fund Entrusted Loan.
Issue relevant certificates. The borrower holds the "Employee Housing Provident Fund Deposit and Loan Certificate (house purchase in different places)" to the housing provident fund management center of the deposit place, which is filled in and stamped with the official seal; Hold the "Certificate of Baoji Housing Provident Fund Entrusted Loan Applicant and Spouse Unit" to the work unit, which shall truthfully fill in and affix the official seal of the unit (details of income for more than three consecutive months in the near future). The above certificate is valid for one month from the date of issuance of the certificate.
Recognition. The borrower submits an application to Baoji Housing Provident Fund Management Center with ID card, household registration book, proof of marital status, purchase contract, down payment invoice and other original and photocopies of purchase materials, Application Form for Entrusted Loan of Baoji Housing Provident Fund, proof of deposit and loan of employee housing provident fund (purchase in different places), proof of applicant and spouse unit of entrusted loan of Baoji Housing Provident Fund and other materials. Baoji City Housing Provident Fund Management Center shall make a decision on whether to grant the loan within fifteen working days.
Sign loan contracts and other written documents. After the off-site loan is approved, the borrower and his spouse go to the undertaking bank to sign the Loan Contract for Personal Housing Provident Fund Entrusted Loan in Baoji City and the Commitment Letter for Repayment of the Borrower's Couple.
Apply for mortgage/advance registration. Real estate developers hold relevant mortgage registration written documents to the real estate management department for mortgage registration.
After the loan developer completes the mortgage/advance notice registration and returns the house advance notice registration certificate or house ownership certificate to the center, Baoji Housing Provident Fund Management Center entrusts the bank to lend money.