Current location - Loan Platform Complete Network - Loan consultation - Foreign loans to buy a house in Shanghai
Foreign loans to buy a house in Shanghai
Of course. You can use provident fund loans to buy a house in different places. According to the "Provident Fund Withdrawal Policy", eligible employees can withdraw their own provident fund when purchasing self-owned housing outside the city. Eligible employees refer to the household registration certificate or work certificate of the city where the house is purchased.

Apply for provident fund loans must meet the following conditions:

(1) The borrower is a natural person of People's Republic of China (PRC) nationality with full civil capacity.

(2) When applying for the provident fund loan, the account has been continuously opened and remitted in full, and the time limit is not less than the time limit regularly announced by the management center.

(3) Having a legal and valid house sales contract or a certificate that the relevant department has approved the construction or repair of the house.

(4) The down payment for house purchase shall not be less than the specified proportion.

(five) the borrower has a stable economic income and the ability to repay the principal and interest of the loan, good personal credit, and no other debts that affect the ability to repay the loan.

(six) the nature of the purchased housing land is state-owned land; Take the house purchased, built or repaired as collateral.

After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the certificate of deposit and use of the employee's housing provident fund for off-site loan to the deposit city provident fund center. If the verification is correct, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center. Deposit into the city provident fund center to identify employees' loans in different places, and establish a detailed account of employees' loans in different places;

During the loan repayment period, if the individual account of housing provident fund is transferred, the original deposit city provident fund center shall promptly inform the loan city provident fund center and transfer it to the city provident fund center. Transferred to the city provident fund center should be re-identified and recorded in time after receiving the employee housing provident fund account;

In loans overdue, the deposit city provident fund center should cooperate with the loan city provident fund center to carry out loan collection and other work. According to the loan contract, the balance in the provident fund account of the loan employee can be deducted to repay the loan. Materials required for applying for provident fund loan:

Commercial housing sales contract (original house price +0 copies);

Household registration book (home page, home page and personal page) and marriage certificate (1 marriage certificate, divorce certificate or original copy of divorce judgment) of the applicant and spouse;

Unmarried certificate of unmarried persons (1 original inspection);

Singles are required to provide the unit marriage certificate (original 65438+ 0 copies);

Bank personal settlement account passbook (2 copies of the original inspection);

Down payment document (1 original inspection);

Applicant's valid ID card (2 copies of the original should be received and printed on the front and back);

Spouse's ID card (copy of the original is required 1).