First, the first suite is a provident fund loan, and the second suite can still be used, but the following two conditions need to be met:
1, the arrears of the first home loan with provident fund have been paid off, and there is no outstanding arrears of provident fund;
2. If an individual applies for the provident fund to buy a second suite, the deposit of the provident fund will be pushed forward continuously for half a year or one year from the date of purchase, and there can be no interruption during the period. The specific continuous deposit period is subject to the minimum requirements of the local provident fund management center.
Second, the provident fund loan process:
1. Conduct transaction house evaluation, determine the loan amount, term and repayment method, and determine the loan amount. The value of the house (collateral) to be traded by both parties shall be evaluated by the real estate appraisal agency designated by the Housing Provident Fund Management Center.
Both parties to the transaction should actively cooperate. According to the pre-assessment report issued by the assessment agency, the transaction price of both parties and the repayment ability of the borrower, the center will make a decision.
Pre-examine the loan amount and term that employees intend to apply for, and pre-examine and confirm the loan amount and term of employee housing provident fund second-hand housing loans.
Table ".
2. Submit loan requirements
Employees who intend to apply for second-hand housing loans shall submit the Borrower's (spouse's) Salary Income and Housing Provident Fund Deposit Certificate (in triplicate) and the transaction information.
The original and photocopy of the original "Property Ownership Certificate" shall be reviewed by the business personnel to confirm whether the employee housing provident fund deposit is normal.
Whether the wage income certificate of the laborer (spouse) is true and standard.
3. Choose the loan guarantee method. Second-hand housing provident fund loan guarantee methods are divided into installment guarantee plus mortgage and mortgage. Borrowers can choose independently according to their own actual situation. If the second-hand housing loan is handled by installment guarantee and mortgage, the guarantee company selected by the borrower shall bear the installment joint liability guarantee for the borrower before the mortgage registration formalities of the house purchased by the borrower are completed and the house ownership certificate is signed by the entrusted bank. If the second-hand housing loan is handled by mortgage, the borrower shall go through the mortgage registration formalities before the loan is issued, and the house ownership certificate shall be kept by the entrusted bank.
4. Sign the house transfer contract, handle the self-raised fund delivery, the buyer and the seller handle the house transaction formalities, receive the house evaluation report, sign the house transfer contract, handle the self-raised fund delivery, the buyer and the seller handle the house transaction formalities and self-raised fund delivery. Both parties to the transaction can make delivery under the witness of the guarantee company (the entrusted bank), or they can choose to be supervised and paid by the entrusted bank.
5. Fill in the Application Form for Housing Provident Fund Loan and submit all loan application materials as required (including housing appraisal report, housing provident fund loan application form and all loan application materials including housing appraisal report as required). If you choose to apply for a second-hand housing loan by installment guarantee and mortgage, the guarantee company may submit the loan application materials to the center on behalf of the borrower. If the second-hand housing loan is handled by mortgage, the borrower himself shall submit the loan application materials.
6. Bank Lending With the gradual increase of bank loan interest and the cancellation of the first home loan interest rate concession, the interest cost of using commercial loans to buy a house is getting higher and higher, which is higher than that of housing provident fund loans. If you have the conditions for housing provident fund loans, using provident fund loans is the most cost-effective way.
7, audit, examination and approval, audit
8, signed a loan contract and other procedures
Legal basis: Regulations on the Management of Housing Provident Fund
Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.
Twenty-seventh applicants for housing provident fund loans shall provide guarantees.