First, how to handle the preliminary examination of the municipal provident fund?
During the preliminary examination of the municipal provident fund, buyers need to submit relevant preliminary examination materials, and the provident fund loan department will review their loan qualifications.
1. processing node
When using the city provident fund loan to buy a second-hand house, you need to go through the preliminary examination and face-to-face signing after evaluation. If the purchaser purchases a new house, it does not need to be evaluated, and the preliminary examination will be conducted directly after the online signing.
The process of purchasing second-hand houses with loans from municipal provident fund.
2. Material status and spare parts
(1) Seller: I am present, with the original ID card, real estate license and payment card;
(2) Buyer: I am present at the scene, carrying the original ID card, household registration book, marriage certificate, highest academic degree certificate, professional title certificate and so on of both husband and wife;
Note: If the husband and wife's house book is issued, both husband and wife must be present at the same time, and bring the original ID card, household registration book, marriage certificate, highest academic degree certificate, professional title certificate and so on.
3. Handling place
(1) China Construction Bank: Gehua Provident Fund Management Center (4th Floor, Block B, Gehua Building, Qinglong Hutong, Beixinqiao, Dongzhimen, Dongcheng District)
(2) ICBC: ICBC Shuangjing Sub-branch (the second floor of ICBC, No.61East Third Ring Road, Chaoyang District)
(3) China Merchants Bank: China Merchants Bank Lugu Sub-branch (North Gate of Yuanyang Qinshan Mountain, Yuquan Xili Road, Shijingshan District)
(4) Bank of Beijing: Bank of Beijing shaoyaoju Sub-branch (second floor of Bank of Beijing, downstairs of shaoyaoju 16 Home Inn in Chaoyang Period).
(5) China CITIC Bank: Fangzhuang Provident Fund Management Center of China CITIC Bank (Building 3, Fangchengyuan, Fangzhuang, Fengtai District 18)
(6) Agricultural Bank: China Agricultural Bank Zhongguancun Yi Bei Street Sub-branch (2nd Floor, China Agricultural Bank, Yi Bei Street, Zhongguancun, Haidian District 18).
(7) Bank of Communications: East Third Ring Sub-branch of Bank of Communications (second floor of Bank of Communications, Zhongqing Building, No.3 East Third Ring North Road 19, Chaoyang District)
(8) In addition, Fangshan, Changping, Shunyi, Tongzhou, Daxing and Mentougou also have provident fund management departments.
Second, how to handle the preliminary examination of the state-managed provident fund?
After submitting the preliminary examination materials, the state-managed provident fund loan will inform the audit results on the spot. If approved, the loan will be signed in person on the same day.
1. processing node
State-controlled provident fund adoption? In one step? Loan processing, that is, the loan applicant and spouse only need to go to the loan handling bank once after online signing, and then they can complete the loan acceptance, preliminary examination and signing.
State-managed provident fund loan processing flow
2. Material status and spare parts
(1) Seller: the owner is present in person (notarized power of attorney is required if he is not present), the owner's ID card, real estate license, debit card or current passbook of Beijing Construction Bank in the owner's name. (The owner also needs to provide 2 copies of the notarial certificate of guardianship and the original ID card of the guardian when he is a minor. )
(2) Buyer: both husband and wife are present at the same time (notarized power of attorney is required if the buyer's spouse is not present), my ID card, the labor contract required by individual units, the inquiry and details of provident fund deposit (non-CCB deposits provident fund), and my CCB card for opening an account in Beijing (if the buyer is married, his spouse's ID card and marriage certificate are required; The buyer also needs a divorce certificate or court judgment for divorce; The buyer needs the spouse's death certificate when he is widowed)
3. Handling location:
One-step bank loan processing place
After the borrower handles the preliminary examination of the provident fund loan, the loan handling department will initially determine the borrower's loan amount, loanable period and other information according to the materials and results of the preliminary examination.
Source: Beijing Housing Provident Fund Management Center, Housing Fund Management Center of Central State Organs.
This content is only applicable to Beijing.