Second, provident fund loans refer to loans enjoyed by employees who have paid housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
Three, provident fund loan conditions:
The borrower has full capacity for civil conduct;
Have a formal urban hukou or valid residence status in this city;
Have a stable economic income, good credit and the ability to repay the principal and interest of loans;
Before the loan, the housing provident fund is paid normally and continuously for more than half a year;
Can provide a valid contract or agreement for the purchase of owner-occupied housing;
In the purchase contract, the borrower and the purchaser must be consistent, and the co-owner (except the spouse) who purchases the shared property house must issue a written commitment to agree to the mortgage of the house;
Its own funds are not less than 30% of the purchase value of self-occupied housing (not less than 40% of second-hand housing);
The borrower agrees to handle house mortgage and insurance;
For the purchase of commercial housing, the developer shall provide phased guarantee and report relevant credit materials;
The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly collects the loan principal and interest from the account every month.
Four, provident fund loan process:
The borrower applies for a loan at the acceptance outlet;
Accepting outlets to inquire about the property status under the family name;
Accept the acceptance of outlets;
Sign a contract;
Examination and approval;
The real estate trading center handles mortgage registration procedures;
Bank loan.
Five, apply for housing provident fund loans required information is as follows:
"Approval Form for Housing Provident Fund Loan Application" in triplicate (to be filled in at the local housing provident fund management center);
The original and three copies of the household registration book, resident identity card and marriage certificate of the borrower and spouse; Singles need to provide the original and photocopy of the single certificate and divorce certificate issued by the civil affairs department;
Legal and valid original purchase contract in triplicate. 3 copies of business license of housing development unit, pre-sale permit of commercial housing (auction house), sales permit of commercial housing, completion acceptance certificate and big house certificate;
Involving mortgage or pledge guarantee, it is necessary to provide the original and three copies of the ownership certificate of the mortgage or pledge right, and three originals of the written certificate of consent of the disposition right holder to mortgage (pledge);
Where the guarantee is involved, the guarantor shall issue three originals of the written commitment to provide the guarantee and three copies of the certification materials (including business license, financial statements for the last three years, qualification grade certificate, credit grade certificate, etc.). The guarantor has the ability to guarantee;
Original and three copies of down payment documents (invoices, receipts, bank receipts, cash payment bills, etc.). The borrower has paid more than the specified proportion of the house purchase price.