Hello, now let me answer the above questions for you. Do housing provident fund loans need to be capped? I believe that many small partners still don't know how to borrow housing provident fund loans. Now let's have a look!
1, personal housing provident fund loan purchase process? Preliminary examination: The Housing Provident Fund Management Center conducts a preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount and loan period. After passing the preliminary examination, the Center will issue a Notice of Collateral Review and Evaluation.
2. Appraisal: The applicant holds the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house.
3. Affordable housing does not need to be evaluated.
4.3. Audit: The applicant shall go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center.
5. If the conditions are met, the Center will issue the Notice of Investigation on the Entrusted Loan Guaranteed by the Housing Fund Management Center.
6.4. Handling guarantee formalities: The applicant shall handle the guarantee formalities according to the guarantee method of his choice with the Notice of Investigation on Entrusted Guaranteed Loans issued by the Housing Provident Fund Management Center.
7. If mortgage+guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage+insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution.
8.5. Sign a loan contract.
9, 6, housing fund management center and the entrusted bank signed an entrusted loan agreement.
10, 7. The borrower directly submits a loan application to the housing provident fund management center, and the entrusted industry can collect the borrower's application materials as needed and submit them to the housing provident fund management center for approval.
1 1, 8. After the housing fund management center verifies the amount, term and interest rate of each loan, it signs an entrusted loan contract with the entrusted bank.
12, 9. According to the entrusted loan contract, the entrusted bank shall go through the loan procedures after signing the Mortgage Contract for Housing Provident Fund Entrusted Loan, Pledge Contract for Housing Provident Fund Entrusted Loan and Guarantee Contract for Housing Provident Fund Entrusted Loan with the borrower respectively.
13, 10. The entrusted bank directly transfers the loan to the designated account opened by the seller in the entrusted bank.