First, bring your ID card and your spouse's housing provident fund to the housing provident fund management center to check the maximum loan amount of the provident fund, but it doesn't mean that you can borrow so much, so check it. Retrieve the "Approval Form for Housing Provident Fund Loan Application" and the blank income certificate.
Second, prepare the down payment, and then calculate how much the provident fund needs to borrow and how much the remaining commercial loans are. Then go to the developer's sales office to sign the house pre-sale contract. Afterwards, the developer will generally prepare the information you need for the loan, which generally includes:
The original and three copies of the receipt (or invoice) of the down payment for house purchase (one for the commercial bank and two for the provident fund), and stamped with the official seal of the developer.
Because it is a portfolio loan, in general, there are many loans, which is more than other single loans. Pay special attention to this point.
Two copies of the house plan and layout (marked with red ink and stamped with the official seal of the developer and signed by the applicant)
Revocation of custody certificate
Original purchase contract and five original contracts.
Commercial loan bank income certificate
House pre-sale certificate
Third, the next step is what the applicant needs to prepare.
Have a girlfriend but not registered to get married, and the property belongs to two people. Go and register quickly. If the two accounts are not together, you need to provide two copies of the original marriage certificate.
Single, you need to go to the district civil affairs bureau where your household registration is located to issue an income certificate (in the same place as your marriage registration).
The applicant's income certificate (provident fund and commercial loan) 1 copy, and the spouse's income certificate (provident fund and commercial loan) 1 copy. Just take the income certificate and let the company stamp it. The income situation is empty. Please consult on the spot and fill it out later.
Make several copies of the applicant's and spouse's ID cards (ten copies each is almost enough).
Two copies of the applicant's and spouse's household registration book.
Fill in the housing provident fund loan application approval form. If there is any ambiguity, don't fill it in first, and then fill it in on the spot.
There are materials that need to be prepared for housing provident fund on the website.
Four, the above materials are ready, and have begun to sign contracts with banks and provident fund management centers. In the meantime, it's best to bring all the materials.
(1) Go to the bank designated by the developer to apply for a commercial loan with the prepared materials and originals. Both husband and wife are going, and there are still a lot of materials and forms to fill out.
(2) Go to the Provident Fund Office and hand in the prepared materials. After signing, I will give you six copies of the housing provident fund loan mortgage loan contract. In the meantime, go to the bank to make a card repayment. Then take the materials to the bank (I can't remember the details, the loan office will explain them to you clearly), and the staff will tell you the materials you need to prepare. Mainly two copies (there seems to be a pre-sale certificate from the developer, which was available before). 1. The mortgage loan contract for housing provident fund loans needs to be signed by the developer (Party D) and the commercial loan bank (Party C). (When going to find these two parties to sign, be sure to remind them which side, especially the bank, mainly handles pure commercial loans and is used to treating itself as Party B, so I am the bank. Two, the bank's "individual housing loan/guarantee contract" forgot a few, the staff will tell you.
(3) Both parties sign two contracts and give them to Bank of Communications, and then he will give you a small note to instruct you what to do next.
5. Wait for the call from the housing management center. You can also call him by the phone number on the note and inform you to pay the deed tax and mortgage registration tax after the approval is completed. The amount can be calculated by the formula on the small note, which can be cash or credit card. When you get there, the staff will give you instructions to go through the formalities. Go to him when you're done, send him something, and keep the receipt for yourself. Go home and wait for news when you're done.
Six, one or two days later, the provident fund management center, the bank will call you to the provident fund center bank, loan bank to receive repayment information. 2 copies of mortgage loan contract for housing provident fund loan, special transfer voucher, entrusted loan voucher, filing certificate of housing pre-sale contract, 2 copies of individual housing loan/guarantee contract given by the bank, bank loan voucher, collateral voucher, etc.
Seven, two copies of the contract to the developer, a variety of documents, the developer to invoice you. Now I have two invoices in my hand, one is the down payment, and the other is the balance after the down payment. The invoices for deed tax and registration tax and various vouchers should be kept well.
Eight, repayment. Repay the provident fund according to the date on the mortgage loan contract of the housing provident fund loan. Commercial loans are repaid according to the repayment details printed by the bank for you.
(The above answers were published on 2016-11-30. Please refer to the actual purchase policy. )
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