What are the requirements for a provident fund loan to buy a house?

To apply for a housing provident fund loan to buy a house, you need to meet the following conditions:

1. The applicant and the ***applicant must have the same loan Pay and deposit the housing provident fund in full and on time for at least 6 months. And the housing provident fund account is in normal payment status.

2. There is no provident fund loan balance.

3. Apply for a housing provident fund loan for the first or second time.

4. Loans are used for purchase, construction, renovation, overhaul, etc.

5. The down payment for purchasing a house shall not be less than the prescribed ratio. For housing provident fund loans, the down payment ratio varies from place to place, but is usually no less than 20% of the total house price.

6. Be able to implement loan guarantees.

The specific withdrawal process of provident fund is as follows:

1. An application needs to be made to the provident fund center. I must provide a copy of my real ID card and provide relevant certification materials to the unit in accordance with regulations. After verification by the unit, fill in the housing provident fund withdrawal application form and stamp it with the reserved seal;

2. With personal ID, application form and corresponding supporting materials, go to the housing provident fund where the employee originally paid the housing provident fund account. The management department shall handle it;

3. After the staff reviews the information provided by the employee and it is qualified, the staff will handle the extraction review for the employee, print the acceptance receipt, and then submit it to the employee for confirmation, and submit the acceptance receipt and the original certification materials to Employees;

4. The withdrawn housing provident fund is transferred to the employee’s own housing provident fund joint card savings account.

What information is needed to buy a house with a housing provident fund loan

The information and procedures required to apply for a housing provident fund loan to buy a house: ① 3 copies of the "Housing Provident Fund Loan Application Approval Form" (at the local housing provident fund The management center must fill it out on site). ② The borrower and his spouse’s household registration book, resident ID card, original marriage certificate and 3 copies; if single, the original and 3 copies of the single certificate and divorce certificate issued by the civil affairs department are required. ③ 3 original legal and valid house purchase contracts. Copies of the housing development unit's "Business License", "Commercial Housing Pre-sale License" (off-plan property), "Commercial Housing Sales License", "Completion Acceptance Certificate", and 3 copies of the large-scale housing certificate. ④ If a mortgage or pledge guarantee is involved, the original and 3 copies of the ownership certificate of the mortgage or pledge rights and 3 original written certificates of the person with the right to dispose of the property agreeing to the mortgage (pledge) must be provided. ⑤ If a guarantee is involved, the guarantor is required to issue 3 original written commitments agreeing to provide guarantee and provide 3 copies of supporting materials proving the guarantor’s ability to guarantee (including business license, financial statements for the past three years, qualification level certificate, credit rating certificate, etc.) share. ⑥ The original and 3 copies of the down payment documents (invoices, receipts, bank statements, cash payment slips, etc.) that the borrower has paid for more than the specified proportion of the purchase price of the house. After the above documents are prepared, the borrower will go to the local housing provident fund management center in person with his ID card and household registration book to handle the loan procedures. If the property rights of the house belong to more than 2 people, they must be present at the same time.

What materials need to be submitted with a provident fund loan to buy a house?

What materials need to be submitted with a provident fund loan to buy a house? The borrower directly applies for a loan to the Housing Fund Management Center, and the entrusted industry can collect the loan on its behalf as needed. All application materials shall be submitted to the Housing Fund Management Center for review and approval. The materials that need to be submitted mainly include the following: (1) The borrower’s identity document, marriage status certificate, family property and income certificate; (2) Legal letter of intent, agreement or other approval document for the purchase (construction, repair) of a housing contract; ( 3) List of mortgages or assets, proof of ownership, and proof that the person with the right to dispose of the property agrees to the mortgage or pledge; certificate of valuation of the mortgage issued by the competent department; written document of the guarantor agreeing to provide guarantee and certificate of creditworthiness of the guarantor; (4) Proof of a down payment of more than RMB 30 of the total price of the house purchased; (5) Assets recognized by the Housing Fund Management Center as mortgage or pledge, or a unit or individual with sufficient repayment capacity as a guarantor; (6) Housing Other conditions specified by the Fund Management Center.

What are the procedures for applying for housing provident fund loans (1) Borrowers applying for housing provident fund loans need to submit a written application to the Municipal Housing Provident Fund Management Center, fill in the housing provident fund loan application form and truthfully provide relevant information. (2) The Municipal Housing Provident Fund Management Center is responsible for reviewing the borrower's qualifications, guarantor qualifications, loan amount and loan period, and completing and agreeing with the contract. The borrower signs relevant contracts or agreements with the center and applies for insurance in accordance with the regulations of the People's Bank of China. (3) After the loan procedures are completed, the Municipal Housing Provident Fund Management Center will issue a loan approval notice to the bank. The bank will handle the loan after receiving the loan notice and transfer the loan to the developer's designated account opened in the bank. Here, we would like to remind home buyers that the prerequisite for applying for a provident fund loan is that there is a balance in the provident fund account, so if you want to buy a house in the future, it is best not to use the provident fund now, otherwise you will not be able to apply for a provident fund loan if the balance is zero.

What materials are needed to buy a house with provident fund loan?

1. Materials required for housing provident fund loan: borrower and loan participant (***same as repayer and guarantor) The original and copy of the resident ID card, household registration book and the loan repayment commitment letter; proof of marital status (if married, provide a copy of the marriage certificate, in other cases, the certificate shall be issued by the unit or police station where you work); legal commercial housing purchase contract or agreement; personal credit certificates provided by the borrower and the lender's employer, etc. 2. For loan applications with complete information, the bank will promptly accept and review them and submit them to the Provident Fund Center in a timely manner. The Provident Fund Center is responsible for approving loans and notifying banks of the approval results in a timely manner. The bank will notify the applicant to handle the loan procedures based on the approval results of the Provident Fund Center. 3. If the guarantee is in the form of a housing mortgage, the borrower must go to the housing property rights management department in the area where the house is located to handle the property mortgage registration procedures. The mortgage contract or agreement must be signed by both husband and wife. If the security is pledged by securities, the borrower must hand over the securities. The management department or alliance center will take custody and keep it.

What information is needed for a provident fund loan to buy a house?

If a customer plans to apply for a provident fund loan to buy a house, he needs to prepare the following information:

1. Personal ID card, local household registration This or a valid proof of residence (such as a temporary residence permit). If you are married, your spouse’s ID card and proof of marriage relationship with the other party (marriage certificate) must also be provided.

2. House purchase contract agreement and down payment receipt signed with the real estate developer or previous homeowner (if the building area does not exceed 90 square meters, the minimum is generally 20%; if the building area is less than 90 square meters Above, 30% is required; and if it is a second house, the down payment requirement is even higher, and the State Council stipulates that it cannot be less than 40%. The specific regulations of the local housing provident fund management center shall prevail).

3. Proof of income such as bank statements, salary slips and proof of provident fund deposit (note that the housing provident fund must be paid in full and on time for six months or more, and the account is in normal payment status, and the If you have never applied for a provident fund loan or the loan has been settled, if you have applied for two provident fund loans, you can no longer apply for a provident fund loan regardless of whether the loan has been settled or not).

Notes on provident fund loans;

1. Provident fund cannot be directly used as down payment for house purchase.

If citizens want to buy a house through a housing provident fund loan, they need to consume first and then withdraw it, that is, pay the down payment first, and then bring their or the couple’s ID cards and household registration books. If you are married, you need to provide a marriage certificate. Wait for supporting documents and go to the local housing provident fund management center to withdraw the balance in the provident fund.

2. The total amount of provident fund withdrawal cannot exceed the total house payment.

For example, if a citizen purchases a house with a loan for a total price of 200,000 yuan, and his provident fund balance is 300,000 yuan, he can only withdraw 200,000 yuan of provident fund, and the remaining 100,000 yuan of provident fund Cannot be extracted.

The provident fund loans in some cities amount to 600,000. For example: Xi'an, Chengdu, Guangzhou and many other regions can reach 700,000 people under special circumstances.

3. After paying off the provident fund loan, you can use the provident fund to buy a house.

Whether it is a provident fund loan before or after marriage, if one of the spouses has applied for a provident fund loan, there will be corresponding records on the provident fund center system. Before the last loan was repaid, the couple Both parties can no longer use provident fund loans to purchase a second home. However, if the provident fund loan for the first home has been paid off and the couple uses the provident fund loan to buy a house again, it will still be regarded as a first-time home purchase and is not subject to the policy restrictions on the second home.

What materials are needed to buy a house with a provident fund loan

What materials are needed to buy a house with a provident fund loan? What are the standards?

1. Preparation materials required by the buyer

1. Single: Bring original documents to the scene, ID card, household register, temporary residence permit for foreign residence or residence permit in Beijing. If divorced, divorce certificate or Relevant information, proof of income in the form of a loan, statement of business in the past six months, a copy of the unit's business license with official seal, academic certificate, provident fund inquiry form and payment details of the past year (required by the state-controlled portfolio), two copies of the borrower's Repayment card

2. Married: The couple should bring original documents to the scene, identity of both parties, household registers of both parties (collective household registration requires the first page with official seal and personal page) marriage certificate; proof of income in loan format, recent Half-year statement, a copy of the unit's business license with the official seal, academic certificate, couple's provident fund inquiry form and payment details for the past year (required by the state-managed combination), two repayment cards of the borrower

3 , Other information: 1,500 yuan appraisal fee, mortgage registration fee

2. Information required by the seller

1. Single: provide ID card, household registration book (collective household registration needs to provide the homepage) , marriage certificate, real estate certificate, if you have purchased public housing, you need to provide the original house purchase contract, if you have a central property housing, you need to provide the central property listing registration form, the owner's personal payment card

2. Married: provide the couple's ID card, Household registration book (collective household registration needs to provide the first page), marriage certificate, real estate certificate, the original purchase contract for public housing purchased, the central property listing registration form for centrally-occupied properties, and the owner’s personal payment card

Three , What are the requirements for preparing documents

1. Proof of buyer’s income: the amount should be more than twice the monthly payment of provident fund plus commercial loan.

2. Couple provident fund inquiry form, payment details for the past year: need to be printed at the state-managed provident fund account opening bank. If the spouse contributes to the municipal provident fund, it must be printed at the deposit management department. Municipal administration portfolio loans do not require this certificate.

3. The original copy of the buyer’s household registration book: the collective household registration needs to provide a copy of the first page and seal, the marital status of the household registration book must be changed to married, the household registration book and the ID card are in the same province, the first page of the household registration book and the personal page of the household registration book The number must be consistent, and the name of the police station stamped on the first page of the household registration booklet and the personal page must be consistent.

4. The buyer’s original marriage certificate or proof of valid marriage relationship: divorce certificate, judgment or notarized original divorce agreement. It is necessary to check whether the ID number on the document is consistent with the ID card (except for the 15th to 18th digit) , if the marriage certificate number is a military officer's ID or student ID but you provide an ID card to apply for a loan, you need to go to the military or school to issue a certificate proving that it is the same person (or vice versa)

5. The original of the buyer's temporary residence permit or work and residence permit Original certificate: (provided by foreign residents). It is necessary to check whether the certificate number on the certificate is consistent with the ID number, whether the certificate is within the validity period, and whether the original household registration address on the temporary residence permit is consistent with the ID card.

6. The seller's collection card: it must be the bank card of the person who opened the account in Beijing, and it must be a current savings card, not a credit card, and it must be consistent with the customer's lending bank.