What is the process of Shanghai provident fund loan? Can every bank do it?

1. Handling process:

The borrower makes an appointment (pre-filled)-accepts the acceptance of outlets (examination and approval, property inquiry under his name, credit inquiry)-notifies the transfer of ownership-goes through the mortgage registration formalities-obtains the mortgage certificate and notifies the lender to lend money.

2. Place for handling:

1. If you apply for a pure provident fund personal housing loan, the borrower can apply for it at the business outlets of Shanghai Housing Property Guarantee Co., Ltd.;

2. If applying for a portfolio loan, the borrower can apply for it at each business outlet of the bank entrusted with the housing provident fund personal housing loan business.

Extended information

Application conditions:

1. Meet the conditions stipulated by the national and municipal real estate control policies;

2. Have full capacity for civil conduct;

3. A down payment of not less than the specified proportion has been paid;

4. At present, the housing accumulation fund has been paid in full and continuously for a specified period (6 months), and there is no agreement on the withdrawal of housing accumulation fund (including but not limited to the agreement on the repayment of loan from the withdrawal of housing accumulation fund, the agreement on the payment of rent from the withdrawal of housing accumulation fund and other agreements on the withdrawal of housing consumption);

5. Have a good credit record and willingness to repay;

6. It has a stable and legal source of economic income and the ability to repay the loan principal and interest, and the borrower's family has no outstanding housing provident fund debts or other debts that may affect the repayment of provident fund loans;

7. He must be the owner of the house purchased, built, renovated or overhauled in this city, and be able to provide relevant contracts or certificates, identity certificates, down payment certificates and other materials that meet the requirements; The purpose of the loan is to buy a house, and the house purchased must be the owner-occupied house with ownership in this city;

8. It can provide the guarantee method approved by the Municipal Provident Fund Center;

9. Meet other conditions stipulated by the Municipal Provident Fund Management Committee;

1. Conditions for * * * to be the same as the borrower:

(1) A * * borrower who purchases a self-occupied house with ownership in this city must be the borrower's spouse, parents, children and have two provident fund loan records under his name, and shall not be regarded as a * * * borrower;

(2) The * * * borrower who purchases a house with property rights protection should be the borrower's spouse, parents, children and owner of property rights.