I have applied for a provident fund loan. How to write a provident fund loan contract in a house sales contract?

Seller: ____________________ ID number: ____________ Contact number: ______________ Buyer: ____________________ ID card Number: ____________ Contact number: ______________ In accordance with the relevant national laws, regulations and the relevant provisions of this city, both parties reached an agreement on the purchase and sale of the house and entered into this contract on the basis of voluntariness, equality and consensus through consultation. Article 1 Transaction of real estate. The real estate owned by the seller is located in _____ house, _______ community, _______ Road, __________ District, Shenzhen City (hereinafter referred to as the property), with a construction area of ??______ square meters (the specific area is determined by the relevant government departments) considered accurate), the real estate license number is _________, and in other cases_______________. The buyer has full knowledge of the condition of the property. The facilities attached to the real estate are shown in the attached table. The second transaction price. The transaction price of the property is RMB/HKD _______ yuan (￥_______). Article 3 Payment Method. 1. When signing this contract, the buyer pays the seller RMB _______ yuan (￥_______) as a deposit for the purchase of the house. The seller will issue a receipt to the buyer after collecting the deposit. 2. RMB_______ yuan is used as the second part of the property payment, and the payment method is as follows (the buyer can only choose one): (1) One-time payment () ① The above-mentioned second part of the property payment is RMB____________ yuan (￥_______ ) must be paid in full on or before the signing of the "Shenzhen Real Estate Sales Contract (Current Sale)", and the contract must be signed on or before _______month___________year. ② Both the buyer and the seller agree that the second part of the above-mentioned property payment shall be handed over by the buyer to the bank for fund supervision. ③ After the Land and Resources Bureau officially accepts the "Shenzhen Real Estate Sales Contract (Current Sale)" signed by the buyer and seller, and after all transfer procedures are completed and the new property certificate is obtained, the regulatory bank will pay the second part of the property payment to the seller. (2) Bank mortgage payment () ① The buyer must make a down payment of RMB _______ yuan (￥_______) within _______ days after paying the deposit (note; the specific down payment amount shall be subject to the bank mortgage commitment letter) at the designated The bank will make a fund supervision account; and go to banks, law firms and other places to sign mortgage-related documents; pay lawyers, insurance, notarization, appraisal, registration fees, etc. arising from the mortgage on time. The buyer shall not make any excuses, otherwise it will be regarded as a breach of contract. ② Within three days after the bank commits to the loan and issues the commitment letter, the buyer must confirm with the bank the calculation of the first installment of the house payment (repayment or overpayment), that is, the total amount of the second part of the house payment mentioned above minus the amount of the loan promised by the bank, and the purchase and sale at the same time The two parties signed the "Shenzhen Real Estate Sales and Purchase Contract (Current Sale)" and went through the transfer procedures. ③After all transfer procedures are completed and the buyer receives the new property certificate, the bank will pay the supervised house payment to the seller. Article 4 Payment of relevant taxes and fees According to relevant government regulations, buyers and sellers need to pay taxes and fees: ① business tax; ② value-added tax; ③ stamp tax; ④ urban construction and maintenance tax; ⑤ property rights registration tax; ⑥ deed tax; ⑦ income tax; ⑧ notary fees; ⑨ Verification fee; ⑩ Others: ______________. Among them, the buyer pays the above _______ expenses, and the seller pays the above _______ expenses. Article 5 Delivery Time The buyer and seller agree that the delivery time is __________. Article 6 The property is sold to the buyer in its current condition, and the buyer also recognizes the current condition of the property. Therefore, the buyer shall not refuse the transaction midway due to the current condition of the property. Article 7 Before the property is delivered to the buyer for use, the seller must pay all miscellaneous charges related to the property (such as water, electricity, gas, telephone, cable TV and land use fees, etc.). Relevant name transfer fees shall be paid by the buyer. Article 8 The seller must guarantee that he has complete ownership of the above-mentioned property and can fully control and handle it.

Regarding the mortgage, mortgage debt, taxes, rent and other matters that have occurred before the transfer of the property, the seller should handle them before the transfer is completed and ensure that the buyer is not responsible after the transfer. Otherwise, the seller should compensate the buyer for all the resulting losses. loss. Article 9 Liability for breach of contract If the buyer fails to perform the terms of this contract and this contract cannot be successfully completed, the deposit paid will be confiscated by the seller, and the seller has the right to transfer the property to anyone. If the seller fails to sell the property to the buyer in accordance with the terms of the contract after receiving the deposit, the seller must return double the deposit to the buyer to compensate for the buyer's loss. Article 10 Apart from this contract, if the purported understandings, commitments, and contents of the agreement between the parties during the negotiation are inconsistent with this contract, this contract shall prevail. Article 11 The buyer and the seller may agree on other terms as attachments to this contract, and the attachments must be signed and sealed by both parties. Article 12 This contract is in duplicate and shall take effect from the date of signature and sealing by both parties or representatives. Each party holds one copy, which has the same legal effect. Article 13 If a dispute arises under this contract and cannot be resolved through negotiation between the two parties, arbitration may be submitted to the Shenzhen Arbitration Commission. The ruling of the commission shall be binding on both parties. Article 14 ____________________ Seller: ___________ Buyer: ______________ Date: ___________ Date: _____

House Purchase Provident Fund Loan Contract

There is a loan contract for provident fund loans. Whether you are applying for a housing provident fund loan or a personal housing loan, you are required to sign a housing loan contract, and the contract for applying for a housing provident fund loan is a third-party banking institution entrusted by the housing provident fund management center.

Legal Basis

Article 26 of the "Housing Provident Fund Management Regulations"

Employees who pay housing provident funds shall not When living in housing, you can apply for a housing provident fund loan from the Housing Provident Fund Management Center.

The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures.

The risks of housing provident fund loans are borne by the housing provident fund management center.

Article 27

Applicants applying for housing provident fund loans shall provide guarantees.

The latest second-hand house sales contract template (provident fund loan version)

Seller: __________ Buyer: __________

ID card: __________ ID card: __________

Address: __________ Address: __________

In accordance with the provisions of the "People's Republic of China and the Civil Code", the "People's Republic of China Urban Housing Management Law" and relevant laws and regulations, sales and purchases Both parties signed this contract on the basis of equality, voluntariness, fairness and consensus on the house purchase and sale matters involved in this contract, in order to abide by and implement it.

Article 1 Sale Subject

The seller voluntarily sells his house to the buyer. The details of the house are as follows:

1. The ownership certificate of the house sold by the seller is "____________".

2. The house sold by the seller is located in ___________ and is a steel-concrete structure.

3. The registered building area of ??the house sold by the seller is ______ square meters (of which the actual building area is ______ square meters, and the shared building area of ??the private *** and public housing is ______ square meters) .

The seller transfers the land use rights within the area occupied by the house and the relevant rights and interests of the house to the buyer along with the house.

Article 2 Statement from the Buyer and Seller

The seller declares: The seller guarantees that it has truthfully stated the ownership status of the above-mentioned house and other specific conditions.

The seller confirms that the house has no lease, no mortgage, no guarantee, and has not been seized or frozen. It has no property rights or financial rights, and no adverse events have occurred. The materials provided are complete, true and valid, and it can handle ownership transfer, tax registration, and loans. Application and other matters related to the transaction. Ensure that the house is free from legal recourse by others. The house is owned by both the seller and the seller. The seller has full rights to dispose of the house and has the full right to sign this house sales contract and related agreement documents. From the date of signing of this contract, the seller shall not make any property rights disposal or attach any property rights or debt burdens to the house, and shall not sign any sales contract, donation contract, mortgage contract, etc. for the house with any third party other than the buyer. . All rights including the ownership and use rights of the house belong to the buyer, and the seller shall bear legal responsibility for the consequences caused by violating the national and Guizhou Province policies on housing transactions. If there are other related matters caused by the seller's failure to make truthful statements, the seller shall bear the liability for breach of contract to the buyer and bear the obligation to deal with the third party, and has nothing to do with the buyer.

The buyer declares: The buyer purchases the seller’s house mentioned in Article 1 of this contract, pays the house price, performs various obligations stipulated in this contract, and bears legal responsibility for violating the obligations of this contract.

Article 3: The household registration attached to the house

The seller guarantees to move out of the household registration attached to the house within 3 months from the date when the buyer and seller complete the transfer and name change procedures. , if overdue, liquidated damages will be paid to the buyer at a rate of 50,000 per day based on the total sale price of the house.

Article 4 Sale Price

The total sale price of the house is RMB: ____________ (lowercase: ____________ yuan).

Article 5 Payment Method

The buyer and seller agree to pay by provident fund loan mortgage payment, and agree that on the day when taxes and fees are paid at the real estate trading center, the buyer pays a down payment of RMB ____________________ ( Lower case: ____________ yuan) to the seller, and the remaining house payment is RMB ____________ (lower case: ____________) to apply for provident fund loan mortgage (if the amount approved by the provident fund center is less than the aforementioned application amount, Party B shall pay the difference to the seller on the day of bank transfer) Paid to the seller.

Article 6 Taxes and Fees

The relevant taxes and fees shall be borne by the buyer after negotiation between the two parties.

Article 7 House Delivery

The seller shall formally deliver all the houses traded to the buyer within five days after receiving the loan approval documents from the Provident Fund Center and perform the following procedures:

1. The seller should ensure that the house and its existing facilities, water, electricity and other basic conditions are in good condition before officially delivering the house. If there are problems caused by the above basic conditions, the seller will assist in solving them.

2. The buyer and seller must jointly inspect and accept the house and ancillary facilities and equipment, decoration and related items, record the readings of water, electricity and gas meters, and go through the handover procedures.

3. Deliver the key to the house.

4. Other matters that should be completed as stipulated in this contract.

The acceptance and handover of the house will be deemed completed only after all procedures stipulated in this article are completed.

Article 8 Liability for breach of contract for delayed delivery

Except for force majeure natural disasters, if the seller fails to comply with the delivery deadline agreed in the contract, the agreed delivery deadline will be overdue for up to one month. The above shall be deemed as the seller's failure to perform this contract, and the buyer shall have the right to terminate the contract, and the seller shall bear liability for breach of contract in accordance with Article 9 of this contract.

Article 9 Liability for Breach of Contract

After the buyer and seller sign the contract:

If the purpose of the contract cannot be realized due to the seller’s failure to perform its obligations under this contract, it shall be written in writing Notify the buyer and return all the buyer's payment within 5 days (refund of house price = interest paid by the buyer), and the seller shall bear the tax losses related to the procedures.

If the purpose of the contract cannot be realized due to the buyer's failure to perform its obligations under this contract, the seller shall be notified in writing, and the seller shall partially refund the buyer's payment within 5 days (refund of house price = buyer's payment - interest), and the buyer shall Bear the tax losses related to the procedures.

The interest calculation method is calculated based on the monthly interest rate 2 of the house payment paid by the buyer from the effective date of the contract to the date of termination of the contract.

That is: interest = the number of days paid from the contract signing to the termination of the contract. Month×2.

The contract can only be terminated after the house payment and interest are fully settled.

Article 10 Conflict resolution between this contract and other documents

If the commitments and agreements between the buyer and the seller before the signing of this contract are inconsistent with this contract, this contract shall prevail. allow. For matters not covered in this contract, the buyer and the seller may enter into supplementary terms or supplementary agreements. Supplementary terms or supplementary agreements are an integral part of this contract.

Article 11 Dispute Resolution Methods of this Contract

Disputes arising during the performance of the contract can be resolved by both parties through negotiation or litigation.

Article 12 Contract Quantity and Holding

This contract contains 5 pages in total, in 4 copies, with 1 copy for the seller and 1 copy for the buyer. Others should be handed over to the relevant departments. Have the same legal effect. This contract takes effect from the date of signature (seal) by both the buyer and the seller.

Seller (signature and seal): Buyer (signature and seal):

Tel: Telephone:

Date: Date:

Provide Fund Loan What does the contract look like?

Principal (Party A):

Assignee (Party B):

According to relevant regulations, Party A entrusts Party B to _________ (hereinafter referred to as the borrower) issues housing provident fund loans. Party B agrees to accept Party A's entrustment. Party A and Party B enter into this contract by consensus through consultation in compliance with relevant national laws and regulations.

Article 1 Party A entrusts Party B with RMB funds (in capital letters)________ to be released and recovered from the borrower in accordance with the housing provident fund loan procedures.

Article 2 If Party A entrusts Party B to issue housing provident fund loans, it should open a special deposit account in Party B’s business department and deposit the RMB funds (in capital letters)________ in one lump sum into the special account within three days after this contract takes effect. used for loan disbursement.

Article 3 The object, amount, type, purpose, term, interest rate, withdrawal and repayment method of the housing provident fund loan shall be determined by Party A according to the specific circumstances within the scope of relevant national laws. Determined in the "Housing Provident Fund Loan Notice".

Article 4 After this contract takes effect, when issuing a housing provident fund loan to the borrower, Party A shall submit a "Housing Provident Fund Loan Notice" to Party B. After receiving the "Housing Provident Fund Loan Notice" and the attached information submitted by Party A, Party B shall issue a housing provident fund loan in accordance with the requirements of the "Housing Provident Fund Loan Notice".

Article 5 Before granting a housing provident fund loan to the borrower, Party B shall sign the "Central State Organ Housing Provident Fund Loan Contract" with the borrower, and shall take effect after the "Central State Organ Housing Provident Fund Loan Contract" An original copy of the contract will be sent to Party A for retention within the next two days.

Article 6 If the loan loss is caused by reasons other than Party B, Party B shall not be liable for compensation.

Article 7 For housing provident fund loans under this contract, Party A shall require the borrower to provide guarantee. The guarantee method, guarantor and collateral (pledge) shall be reviewed and approved by Party A, and shall be specifically determined in the "Housing Provident Fund Loan Notice".

Article 8 If the borrower fails to use and repay the principal and interest of the loan as stipulated in the "Housing Provident Fund Loan Contract for Central State Agencies", Party B may impose necessary sanctions on the borrower in accordance with relevant bank regulations.

Article 9 Interest and handling fees. Housing provident fund loan interest is collected from the borrower by Party B and is settled monthly. Party B shall transfer the loan interest to Party A's account on the same day after collecting the interest. If the state adjusts interest rates, Party A shall handle interest rate adjustment procedures in accordance with state regulations. The handling fees charged by Party B for issuing housing provident fund loans shall be paid in accordance with the agreement signed by Party A and Party B.

Article 10 Party B shall transfer the full amount of the loan to Party A's account on the same day after each recovery of the loan.

Article 11 The extension of housing provident fund loan shall be handled with written notice from Party A.

Article 12 After this contract comes into effect, neither Party A nor Party B may change or terminate it without authorization. When it is necessary to change the terms of this contract or terminate this contract, both parties must reach a written agreement through consultation.

Article 13 Liability for breach of contract

1. Party A fails to deposit the agreed funds into the special account as scheduled in accordance with Article 2 of this contract, or exceeds the total deposit requirements of the special account If it issues housing provident fund loans, or violates the provisions of Articles 3 and 4 by failing to submit relevant information to Party B, and Party A and Party B have not reached an agreement to change the above terms, Party B may refuse to issue housing provident fund loans and, depending on the circumstances, require Party A to The party pays a penalty of 5% of the total loan amount.

2. If Party B fails to issue housing provident fund loans according to the loan objects specified in this contract and the "Housing Provident Fund Loan Notice", Party A may require Party B to pay liquidated damages of 5% of the total loan amount, resulting in loan losses. Party B shall also be liable for compensation.

3. Party B violates Article 11 of this contract and extends the loan for the borrower without authorization, and shall pay Party A a penalty of 5% of the balance of the extended loan. Party A may also require Party B to recover the extended housing provident fund loan within a time limit. After the liability for breach of contract is clear, the breaching party should take the initiative to pay liquidated damages.

Article 14 If there is any inconsistency between matters not covered in this contract and the "Housing Provident Fund Business Fees and Incentive Funds Payment Agreement" signed with Party A and Party B, the "Housing Provident Fund Business Fees and Incentive Funds Payment Agreement" shall be used. "Agreement" shall prevail, and relevant procedures shall be handled in accordance with the "Operating Procedures for Housing Provident Fund Loans of Central State Agencies".

Article 15 Dispute Resolution

Disputes arising between Party A and Party B during the performance of this contract shall be resolved by negotiation or mediation between the parties. If negotiation or mediation fails, you may apply for arbitration to the people at the place where the contract was signed, or to the contract arbitration institution at the place where the contract was signed.

Article 16 Matters not covered in this contract shall be implemented in accordance with the relevant national laws, regulations and financial regulations.

Article 17 This contract shall take effect from the date it is signed by the legal representatives or authorized signatories of Party A and Party B and stamped with the official seal of the unit, and shall become invalid after Party A’s housing provident fund loan is fully recovered.

Article 18 The "Housing Provident Fund Loan Notice" and other information required by Party B from Party A are all integral parts of this contract.

Article 19 This contract is made in two copies, with Party A and Party B each holding one copy.

Party A: Party B:

Legal representative: Authorized signatory:

Year month day year month day

Bank loan , refers to an economic behavior in which banks lend funds to those in need of funds at a certain interest rate in accordance with national policies and agree to return them within a time period. Generally, you are required to provide a guarantee, house mortgage, or proof of income, and have a good personal credit report before you can apply.

Moreover, in different countries and in different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, project loans, etc., while industrial and commercial loans in the United Kingdom mostly take the form of bill discounts, credit accounts, and overdraft accounts.

Bank loan refers to an economic behavior in which an individual or enterprise lends funds to a bank at a certain interest rate to individuals or enterprises in need of funds in accordance with the policies of the country where the bank is located, and repays the funds within an agreed period.

Loan Tips

Nowadays, more and more people born in the 80s and 90s are taking out loans to buy houses and cars. Suddenly, the loan business provided by banks has become the "new favorite" of the times. However, it is still a bit difficult to successfully obtain a loan from a bank, and it is even more difficult to obtain a loan during certain periods of time. Below I will share with you a few tips for successful loans, hoping to help more people successfully obtain loans.

1. Reasons for borrowing: During the process of applying for a loan, the borrower should be frank and clear about the reasons for the loan, and write down in detail the purpose of the loan and the personal advantages in repaying the loan. For example: good personal credit record.

2. Borrowing amount: The amount of the loan the borrower applies for at the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what the lender wants. They are sure You don’t want your loan funds to be disbursed within half a month. If the loan applied for by the lender is relatively large, it is recommended that you reduce the loan amount appropriately, so that your chances of passing the bank's review will be greatly increased.

3. Loan description: Fill in the application information in detail, including the purpose of the loan, personal credit record, source of income, repayment ability, family income, etc. To ensure that your loan can be repaid on time no matter when, where or what the situation is.

4. Loan repayment: After the borrower successfully applies for a loan, he must repay the loan within the specified time. Do not take chances and delay the repayment time, thereby causing a bad personal credit record. In addition, relevant departments will also make every effort to recover loans that are in arrears.

What are the provident fund loan contracts?

A provident fund loan generally requires four to six contracts. The homebuyers, developers, real estate bureaus, and banks each hold one copy of the four provident fund loan contracts, and the homebuyers, developers, real estate bureaus, banks, provident fund management centers, and notary offices each hold one copy of the six provident fund loan contracts.

Legal Basis

Article 5 of the "Housing Provident Fund Management Regulations"

The housing provident fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees. Units and individuals may not use it for other purposes.

Article 26

Employees who have paid housing provident funds may apply for housing provident fund loans from the Housing Provident Fund Management Center when purchasing, constructing, renovating or overhauling their own homes. The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures. The risks of housing provident fund loans are borne by the housing provident fund management center.

This concludes the introduction to the content of provident fund loan contracts and how to write the contents of provident fund loan contracts. Have you found the information you need?