1. Do banks charge provident fund loan service fees?
It depends on whether you apply for the loan through an intermediary or another agency. Generally speaking, it is recommended that you seek a formal lending institution for your loan. There are generally no fees charged before the loan is released.
When buying a house using a provident fund loan, there are some things that need to be paid attention to, as follows:
Do not use the provident fund before applying for a loan
If the borrower withdraws before the loan If the provident fund balance is used to pay for the house, then the provident fund balance on your provident fund account will be zero, and your provident fund loan limit will also be zero, which means you will not be able to apply for a provident fund loan.
Do not repay in advance within the first year of borrowing
According to the relevant provisions of provident fund loans, partial prepayment should be made after one year of loan repayment, and the amount you repay should be repayments over 6 months.
Don’t lose the loan contract and IOU
When applying for a mortgage loan, the loan contract and IOU signed by the bank and you are important legal documents. Since the loan term can be up to 30 years, as a borrower, you should keep your contract and IOU properly.
2. What is the detailed process for purchasing a second-hand house with a personal housing provident fund loan?
Personal housing provident funds are divided into municipal provident funds and state-administered provident funds. The process of buying second-hand houses with loans is as follows:
1. The process of buying second-hand houses with municipal provident fund loans:
1. Provide buyer and seller information, fill in the management center’s application form, submit for evaluation, and pay the evaluation fee.
2. Submit the information to the management center for approval and conduct preliminary review.
3. After passing the preliminary review, the customer will be notified to come to the management center for an interview, and the management center will conduct a re-examination.
4. After approval, go to the Provident Fund Management Center to sign the guarantee contract and pay the guarantee fee.
5. After the loan is approved, the buyer and seller will be notified of the transfer of ownership.
6. After getting the new house certificate, go through the mortgage registration and see the mortgage registration acceptance center for a loan.
Information required for the municipal provident fund
Buyer: ID cards of the couple, household register, marriage certificate, academic certificate, professional title certificate, provident fund statement, and temporary residence permit if the household registration is out of town.
Seller: Identity cards, household register, marriage certificate, and house book of both spouses.
Required fees: appraisal fee, guarantee fee, loan service fee.
2. The process of buying a second-hand house with a state-managed provident fund loan:
1. Provide information about the buyer and seller, fill in the application form issued by the state-managed center and proof of income (note: married loan customers are married couples) Both parties need to issue proof of income), submit an assessment, and pay the assessment fee.
2. The buyer and seller go to the bank for an interview.
3. The State Management Center examines and approves loan information.
4. After approval, the buyer and seller will be notified of the transfer.
5. After getting the new house certificate, go through the mortgage registration, and the bank will lend money after seeing the other title certificates.
Information required for state-managed provident fund
Buyer: (Same city-managed provident fund).
Seller: Identity cards, household register, marriage certificate, and house book of both spouses.
The fees required by the state-managed provident fund: evaluation fee, guarantee fee, loan service fee.
Extended information:
Notes on housing provident fund loans for buying second-hand houses:
1. Provident fund loans require the buyer and seller’s ID accounts and marriage certificates. The buyer's income certificate, personal credit report, original property certificate, real estate appraisal report and other materials to be provided by the management.
2. For provident fund loans, you should ask your unit where your provident fund is deposited, and then choose to apply for a loan based on the department where you deposit your provident fund and the address of the house you purchased. relevant departments.
3. In terms of loan limit, the borrower applicant must establish a housing provident fund account for more than 12 months (inclusive), and at the same time pay and deposit the housing provident fund in full and normally for more than 12 months (inclusive) (normal payment and deposit Including monthly continuous prepayment and repayment of housing provident fund), and it is in the deposit status when applying for a loan.
Houses that can apply for provident fund loans to buy houses:
1. Commercial housing (the developer must sign a loan cooperation agreement with the municipal housing fund management department);
2. Current housing (that is, housing reform to purchase property rights);
3. Second-hand housing (stock market transactions);
4. Non-title housing (must have its own or third-party mortgage as collateral) );
5. Auction room (the auction company must sign a loan cooperation agreement with the Municipal Housing Fund Management Bureau).