What does the face-to-face signing of provident fund loans mean? What are the steps of provident fund loan? Face-to-face signing means that the lender or lender must go to the housing provident fund management office and sign on the spot. You can't replace yourself with the lender's ID card or other documents, otherwise you won't lend. This is a way for the provident fund management center to avoid risks.
The process of commercial loan is: the two parties sign a sales contract-evaluation-face-to-face bank signing-loan approval-transfer-mortgage registration-lending.
The process of provident fund loan is: both parties sign a sales contract-evaluation-preliminary examination of provident fund management center-face-to-face signing-transfer-loan-mortgage registration.
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
20 12 some cities relaxed the conditions of provident fund loans, among which the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan from June 1.
What does a pure provident fund loan mean? Provident funds can only be used for housing loans.
Apply for provident fund loans must meet the following conditions:
1. The borrower is a natural person of China nationality with full civil capacity;
2. When applying for provident fund loans, an account has been opened and remitted in full, and the period is not less than the period announced by the management center regularly;
3, with legal and effective housing sales contracts or documents approved by the relevant departments to build and repair houses;
4. The down payment for house purchase shall not be less than the specified proportion;
5. The borrower has a stable economic income and the ability to repay the loan principal and interest, has a good personal credit report, and has no other debts that affect the loan repayment ability;
6, the purchase, construction and repair of housing land is state-owned land; Take the house purchased, built or repaired as collateral.
What do you mean by provident fund loan 1 transfer 15? Housing provident fund loan 1 transfer 15 usually means that the loan amount you can apply for is 15 times the balance of your personal account. But now many places are more than 15 times, and some places can apply for 20-30 times.
What does it mean to buy a house with a provident fund loan? 3. When buying a house, you need to pay a down payment, and the rest can be loaned through the provident fund. The advantage of provident fund loans is that the interest is much lower than that of commercial loans, which is very affordable. 4. In the above situation, your company must invest in the provident fund for you.
What does the railway provident fund loan mean? The provident fund of railway units is divided according to the system of railway departments, and the loan money is not provided by the local provident fund management center, but because the higher authorities generally provide loans for a longer time than the local provident fund.
What does the face-to-face signing of provident fund loans mean? Face-to-face signing means that the lender signs the loan contract at the loan department of the bank at the time agreed by the loan bank.
What does the provident fund loan on online loan mean? Basic conditions for applying for housing provident fund loans:
1, the identity is legal and valid;
2. Have full capacity for civil conduct;
3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;
4, purchase, construction, renovation, overhaul occupied housing;
5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents;
6. Provide customer-recognized guarantee;
7. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans;
8. Deposit conditions: the housing provident fund account has been established for more than 6 months (inclusive).
Provide the following information:
1, the deposit certificate of the applicant's and spouse's housing provident fund;
2, the applicant and spouse's identity certificate (refers to the resident identity card, permanent residence booklet and other valid residence documents), proof of marital status;
3. Proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;
4, the purchase of housing contracts, agreements and other valid documents;
5. List of collateral, pledge, certificate of ownership, certificate of consent of authorized disposition, and certificate of collateral valuation issued by relevant departments;
6. The Provident Fund Center requires the third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * sign a tripartite contract.
Other information required by the provident fund center:
1. For the loan application with complete information, the bank will accept and review it in time and submit it to the provident fund center in time;
2, provident fund center is responsible for the approval of loans, and timely notify the bank of the approval results;
3. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.
4. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.
Provident fund loans, housing loans. What do you mean by accepting a loan? Housing provident fund loans can be applied to the loan bank, or directly to the housing provident fund management department for approval.
The specific loan process of housing provident fund is as follows:
The borrower may submit a written loan application and related materials to the loan bank, which shall submit it to the housing provident fund management department for approval, or directly apply to the housing provident fund management department for approval;
The borrower approved by the housing provident fund management department shall sign the loan contract and guarantee contract with the loan bank, and handle the mortgage registration, insurance, notarization and other related procedures;
According to the loan contract, the loan bank will transfer the loan to the special account for selling houses set up by the developer in the loan bank or directly to the deposit account opened by the borrower in the loan bank;
The borrower opens a repayment account in the loan bank and repays the loan principal and interest on schedule according to the repayment method and repayment plan agreed in the loan contract;
After the loan is settled, the borrower obtains the Loan Settlement Certificate from the loan bank, retrieves the mortgage registration certificate and the original insurance policy, and goes through the mortgage registration cancellation procedures at the original mortgage registration department.
What is the significance of housing provident fund loans? The conditions for applying for provident fund loans are:
Have a permanent and valid account in the town where the loan is located, and can provide a valid residence certificate;
The housing accumulation fund has been continuously paid for more than 6 months before the loan, and the accumulated deposit time of the accumulation fund cannot be less than 12 months;
The self-financing of the first suite reaches more than 30% (including 30%) of the total price of the purchased house, and the first home loan below 90 square meters is only 20%;
The borrower has a proper job and a stable income, a fixed monthly salary and a clear intention to repay the loan;
Sign a house purchase contract or contract with the sales office;
Meet other conditions stipulated by the trustor and the trustee.
Housing provident fund loan process:
Lenders applying for housing provident fund loans need to submit a written application to the bank;
For the loan application with complete information, the bank accepts the examination in time and submits it to the provident fund center in time;
The provident fund center is responsible for approving loans and informing banks of the approval results in a timely manner;
The bank informs the applicant to go through the loan formalities according to the examination and approval results of the provident fund center, and the borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other formalities to the provident fund center for examination and approval. After the approval of the provident fund center, the entrusted bank will allocate the entrusted loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract.
If the borrower has a mortgage, he shall go through the mortgage registration formalities with the property right management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.