2. The buyer submits the loan application materials at the counter of the guarantee company on the sixth floor of the second-hand house transaction service center (No.Cai E Middle Road 196). If the loan application materials are handled by an intermediary company, the application materials may be submitted by the intermediary company.
Apply for provident fund loans generally provide the following information:
1. Copy of ID card, household registration book and marriage certificate of the borrower and spouse (3 copies).
2. Copy of purchase intention contract (agreement) (in triplicate)
3 copies of the title certificate (3 copies)
(Copy of the original of the above certificate)
4. Second-hand housing transaction provident fund loan application.
5, fill in the "individual housing provident fund loan application approval form"
Three, the guarantee company and the borrowing bank for examination and approval, issued a letter of intent to guarantee and confirm the seal.
Four, the guarantee company will submit the application materials to the provident fund management center.
Five, the provident fund management center to review the information sent by the guarantee company, the guarantee company issued the "second-hand housing provident fund loan audit opinion".
6. Guarantee companies and borrowing banks apply for provident fund loans by "purchasing second-hand houses".
The audit opinion informs the applicant to go through the signing procedures (loan contract, online house sales electronic contract, guarantee contract, etc.). ).
VII. The applicant (buyer) deposits the down payment into the supervision account of the guarantee company.
And the personnel of the guarantee company shall assist the applicant (buyer) and the seller to handle the registration formalities of house property right transfer.
Eight, after the completion of the transaction, the regulatory bank will supervise the funds through the transfer of funds.
Transfer money to the account designated by the seller.
Nine, the guarantee company receives the original new real estate license and the original house transaction deed tax invoice, and sends a copy of the new certificate and the original house transaction deed tax invoice to the provident fund management center. After receiving the copy of the new certificate and the deed tax invoice of the house transaction, the provident fund management center will make an appointment for the applicant (purchaser) to sign the provident fund loan contract at the provident fund management center.
X after the guarantee company receives the provident fund loan, the applicant (buyer)
Return of bank loans and the balance paid by guarantee companies.
Precautions:
1. Receipt query method:
① With the electronic contract number KFXXXXXXX, go directly to the lobby manager of the supervision bank.
Inquiry;
(2) supervise the SMS notification of banks.
2. Property right transfer registration and mortgage tax collection standard: according to the proportion stipulated by the state.