You need to go to the unit where you work to issue proof of payment and income of the provident fund, fill out the application form and issue a household registration certificate to the police station.
When applying for a loan, the borrower shall provide the following information according to different situations:
1. If purchasing commercial housing or affordable housing, it shall provide a pre-sale contract for commercial housing (affordable housing) and a down payment certificate of not less than 20% of the total house price;
2. Self-built, renovated or overhauled self-occupied ordinary houses need to provide planning and construction documents approved by the construction or real estate administrative departments, land use certificates or original real estate licenses, construction contracts and project budget and final accounts;
3. To buy a second-hand house, you need to provide a real estate sales contract and a deed tax payment certificate;
4. If the unit raises funds to build a house, it is necessary to provide the approval documents for raising funds to build a house, the payment documents for raising funds to build a house or the purchase agreement;
5. The valid identity certificate, marriage certificate, household registration certificate or valid residence certificate of the borrower and his spouse;
6. Collateral appraisal report issued by real estate appraisal agency;
7. The guarantee certificate issued by the guarantor and the valid identity certificate of the guarantor;
8. Guarantee certificate issued by the real estate home purchase guarantee company;
9. Other materials required by the Provident Fund Center.
Extended data:
The intended use of the loan
The use of housing provident fund loans is limited to the purchase of owner-occupied housing with ownership, and the purchased housing should meet the architectural design standards stipulated by the Municipal Provident Fund Management Center. Employees who purchase houses with the right to use cannot apply for housing provident fund loans.
Loan procedure
① Policy consultation
Workers who have paid the housing provident fund can consult Shanghai Housing Property Guarantee Co., Ltd. (hereinafter referred to as the guarantee company) to learn about the object, conditions and procedures of the secured loan, as well as the amount, term and interest rate of the main loan.
At the same time, I can check the payment of my housing provident fund with my ID card and personal provident fund account number to determine whether it meets the loan guarantee conditions and the maximum and minimum loan guarantee period.
When the borrower applies for a loan, the guarantee company will provide the Application for Personal Housing Provident Fund Guaranteed Loan for the borrower to fill in.
② Application acceptance
If the loan applicant provides relevant information, and the guarantee company meets the conditions of the secured loan in the first instance, the loan applicant will pay the fee according to the list of fees by the guarantee company's "Personal Housing Provident Fund Housing Guarantee Loan Acceptance Form" and sign the "Personal Housing Provident Fund Housing Guarantee Loan Contract".
③ Seal of real estate company
The borrower requires the real estate company to seal the loan contract for individual housing provident fund purchase guarantee, and the real estate company provides phased guarantee.
④ Implement the repayment method.
The borrower holds his ID card to the loan bank to handle the repayment account. If he has a credit card, he will go to the bank to confirm the credit card repayment and sign an entrusted repayment agreement.
⑤ Apply for mortgage registration.
The loan applicant holds relevant materials to go through the mortgage registration formalities at the county real estate trading center where the house is purchased.
⑥ Inform the bank to lend money.
The loan applicant shall submit relevant materials to the guarantee company with the certificate of completing the mortgage registration procedures and the "Personal Housing Provident Fund Purchase Guarantee Loan Contract" promised by both parties. After the guarantee company is approved, it will issue a loan notice to the lending bank to inform it to lend money.
⑦ Receiving personal data
After all the formalities are completed, the guarantee company informs the borrower to receive the personal custody information.
Baidu encyclopedia-provident fund loan
Does the provident fund housing loan require proof of income?
You need to go to the unit where you work to issue proof of payment and income of the provident fund, fill out the application form and issue a household registration certificate to the police station. Materials required for housing provident fund loan: 1. Household registration books of the borrower and his spouse; 2. Resident identity cards of borrowers and their spouses; 3. Proof of the marital status of the borrower; 4. Proof of down payment for house purchase; 5. The credit status report of the borrower and his spouse printed by the bank; 6. Housing sales contracts or agreements that meet the legal requirements.
legal ground
Regulations on the administration of housing provident fund
Under any of the following circumstances, employees can withdraw the storage balance in the housing provident fund account: 1, purchase, build, renovate or overhaul the owner-occupied housing; 2. Retired; 3, completely lose the ability to work, and terminate the labor relationship with the unit; 4. Go abroad to settle down; 5. Repay the principal and interest of the owner-occupied housing loan; 6. renting a house for self-occupation; (Employees and their spouses who have no own houses in Beijing and rent public rental houses or commercial houses can withdraw the housing provident fund to pay the rent. ) 7, life is difficult, is receiving urban subsistence allowances; 8. Encountering unexpected events, causing serious difficulties in family life; 9, migrant workers and units to terminate the labor relationship; 10, who is sentenced to death, life imprisonment or fixed-term imprisonment at the expiration of the statutory retirement age; 1 1, dead or declared dead; If an employee withdraws the housing provident fund in accordance with Article 4 of these Measures (1, 5, 6, 7 and 8), his spouse may withdraw the housing provident fund from his account at the same time.
Do you need proof of income for provident fund loans?
Legal subjectivity:
Pure provident fund loans also require proof of income. When applying for a loan, individuals need to provide the housing provident fund management center with materials that can prove their good repayment ability, such as proof of income, proof of marital status and other assets.
Legal objectivity:
Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center. "Regulations on the Administration of Housing Provident Fund" Article 27 An applicant applying for a housing provident fund loan shall provide a guarantee.