At present, most people choose mortgage loans to buy houses, but there are several kinds of loans, among which the interest of provident fund loans is the least, but many people are very unfamiliar with the process of provident fund loans, so today Bian Xiao will share with you the process of running provident fund loans.

1. What are the procedures for handling provident fund loans?

1. Go to the local provident fund management center first and fill in three provident fund loan application forms.

2. The original and three copies of the household registration book, ID card and marriage certificate of the borrower and spouse. Singles need to provide the original and three copies of the single certificate or divorce certificate issued by the Civil Affairs Bureau.

3. It is necessary to have three legal and valid originals of the house purchase contract, three copies of the developer's business license, the pre-sale permit of commercial housing, the sales permit of commercial housing, the certificate of completion acceptance and the certificate of big house.

4. If mortgage or pledge guarantee is involved, three originals and photocopies of the mortgage or pledge right certificate are required, and three originals of the written certificate that the disposition right holder agrees to mortgage are also required.

5. If the loan needs to be secured, the guarantor must issue three originals of written proof of consent to the guarantee, and also provide the ability proof materials issued by the guarantor, such as business license, financial statements for the last three years, qualification grade certificate, etc. Credit rating certificate and other three copies.

6. The borrower has paid the total house price. For the down payment above the specified proportion, payment orders, invoices, receipts, bank statements, cash payment orders, etc. are required. , original and three copies.

7. After the above documents are ready, bring my household registration book and ID card to the local provident fund management center for loan procedures. There are more than two people in the property right, and they must be present at the same time.

Bian Xiao: The above is an article shared by Bian Xiao today. What are the procedures for running provident fund loans? I hope the article shared by Bian Xiao can help everyone.

What are the loan processes of housing provident fund?

Many people who have provident fund will use it to borrow money to buy a house, but many people still don't understand the process of provident fund loans, so the following small series will introduce it to you, let's take a look!

What are the loan processes of housing provident fund?

1. To use the provident fund loan, you must first submit a written application to the bank, and bring the applicant's provident fund deposit certificate, ID card, marriage certificate, household registration book and other valid residence certificates, family income certificate or other proof of repayment ability, as well as the purchase contract and other documents; The use of provident fund loans requires a guarantor to pay the guarantee fee and sign a tripartite contract.

2. If the applicant's information is complete, the bank shall submit it to the provident fund center after examination; After the approval of the provident fund center, the bank will be informed of the results, and the bank will inform the applicant to go through the loan procedures.

3. Both husband and wife go to the bank to handle the loan procedures and sign the relevant contracts. After that, the bank will send the loan contract and other materials to the provident fund center for review. After the approval of the provident fund center, the entrusted loan funds can be allocated, and the bank will lend money to the lender according to the time agreed in the contract.

4. If the house is mortgaged, it is necessary to go through the mortgage registration formalities with the housing management department in the area where the mortgaged house is located, and the husband and wife sign a mortgage contract or agreement. If the mortgage is pledged by securities, the borrower will hand over the securities to the management department or the joint center for safekeeping.

Matters needing attention in provident fund loans

1. You can't use the provident fund before applying for a provident fund loan, because the balance of the provident fund determines your loan amount. If the balance of the provident fund is zero, the loan amount is also zero.

2. If the mortgaged house is rented, the lessee must be informed of the fact that the house has been mortgaged.

3. After the provident fund loan is paid off, it is necessary to cancel the mortgage.

4. Use the provident fund to buy a house, and it is best not to repay in advance within one year.

During the loan repayment period, if it is difficult to repay the loan, you can negotiate with the bank and apply for extending the loan period.

Bian Xiao concluded: The above is the relevant content about the housing provident fund loan process, hoping to help everyone.

How to handle provident fund loans

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Although housing prices are getting higher and higher, it can't stop people's enthusiasm for buying a house. After all, with a house, I have peace of mind. Who doesn't want to have their own house if they have the ability? Although the pressure of buying a house is great, if you can use provident fund loans, the pressure will be much smaller. Many people know that provident fund loans can be used to buy a house, but they don't know much about the process and conditions of provident fund loans. Then I'll tell you in detail today.

How to handle the provident fund loan?

There are many details and conditions that need to be paid attention to when handling provident fund loans. Once you don't meet the requirements, it means that the bank will refuse to give you a provident fund loan. Therefore, before applying for provident fund loans, you should judge whether you meet the conditions of provident fund loans.

-Conditions to be met for provident fund loans

1, there is a provident fund account, and the housing provident fund has been continuously paid for a certain number of years. Every city has different regulations. Specifically, go to the local provident fund management center to find out. For example, Shanghai requires the provident fund to be paid continuously for more than 5 years before it can buy a house and apply for a provident fund loan.

2. There is a labor contract signed with the company. Some cities even require companies to sign labor contracts for three years or more.

3. The lender applying for provident fund has not retired, nor has it exceeded the retirement age. This is mainly to ensure that the applicant has a certain repayment ability. After all, provident fund loans are also loans, and whether the applicant has the ability to repay is always the decisive factor in considering whether he can lend.

4. Lenders applying for provident fund should agree to handle mortgage registration and insurance, and should be able to provide the guarantee method recognized by your provident fund management center. This requires you to know for yourself what kind of guarantee method is recognized by the local provident fund management center. After all, this is a big deal, and it is inevitable to run more times.

5. Relevant supporting documents of the house purchase contract, such as the house purchase contract and the house property certificate, shall be provided. , but also need to pay the provident fund documents. In short, all kinds of documents and materials are indispensable, and there must be some.

If you meet all these conditions, you can enter the process of provident fund loans. As long as you know every step of the process, you can handle it quickly, unlike some people who have not handled it many times.

-Procedures for handling provident fund loans

The specific process is as follows: go to the provident fund management center to submit materials → the provident fund management center accepts → the provident fund management center approves the loan → it is approved, and the mortgage registration formalities → the provident fund management center examines the loan → it is approved, and the loan is issued.

Then, let's explain some details that need to be paid attention to in the refinancing process.

1, materials required for provident fund loans

(1) The original and photocopy of the ID cards of the husband and wife of the provident fund loan applicant (multiple copies are required for each place and 3 copies are required for some places).

(2) It is also necessary to provide the original and photocopy of the bank credit certificate of both husband and wife of the provident fund loan applicant.

(3) The original and photocopy of the household registration book. The account book here should include the first page of the account book, the first page of the account book and the personal pages of both husband and wife. Both the original and the copy are needed.

4 proof of marital status. Get a marriage certificate when you get married, a divorce certificate when you get divorced, and a single certificate when you are single.

5 proof of purchase, original and photocopy of purchase invoice and other relevant documents.

6. Monthly income certificate. You can print the daily account of the bank.

⑦ Education. Some provident fund loans also need to provide the highest academic qualifications, such as undergraduate diplomas and degree certificates, and junior college diplomas. But some cities don't need to provide this, depending on the location of the provident fund management center.

⑧ Other materials required by the provident fund management center. The demand for provident fund loans in different places may be different. You can call the local provident fund management center to ask what materials you need.

2. Under these circumstances, the application for provident fund loan may not be approved.

One of the husband and wife has used the provident fund loan, and the loan amount and interest have not been repaid. In this case, two people cannot apply for provident fund loans again.

② I applied for a portfolio loan when I bought a house, and later I wanted to turn it into a provident fund loan. In this case, this is unacceptable. Because portfolio loans cannot be converted into provident fund loans.

③ The provident fund loan applicant has problems with credit reporting, and has overdue repayment records or other bad records.

If you don't have the above problems, then don't worry too much. As long as the information is complete and there is no credit problem, generally speaking, it is not too difficult for you to apply for a provident fund loan.

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