Process of applying for provident fund loan:
First, communicate with developers and explain the provident fund for loans (some developers don't do provident fund, and lending is too slow)
2. After signing the sales contract, when signing the mortgage information at the bank at the appointed time, you need to provide the following information:
1. Original ID card (spouse ID card is required if married);
2. Original account books;
3. Marriage certificate (or unmarried certificate);
4, proof of income (monthly payment of more than 2.5 times);
5. Copy of contribution passbook;
6. Provident fund card (deposit account with provident fund is also acceptable);
7. The passbook has a running account for more than 6 months (mainly depending on the entry and exit of your usual funds, which requires a lot of money);
Three. After the loan agreement letter comes out, it will be handed over to the Housing Authority at the time agreed with the owner.
Fourth, get the tax bill-pay the tax-after paying the tax-and then receive the receipt (if you make a mortgage, the bank will send employees to get it because there is a charge).
5. Filing-issuing a new real estate license-sending it to the bank for mortgage-mortgage-lending.
Extended data:
The real estate developer signs a cooperation agreement on commercial housing mortgage loan with the management center and the entrusted bank, and the real estate developer provides the borrower with a phased guarantee and deposits a deposit according to a certain proportion of the total loan. After completing the property right certificate and mortgage registration, the guarantee responsibility is terminated and the purchased house is converted into mortgage guarantee.
The borrower applies for a loan from the management center. After approval, the entrusted bank signs a loan contract with the borrower and goes through the formalities of using the loan.
The loan amount of the provident fund is regulated according to levels, with the highest loan of 800,000 for Grade A, 920,000 for Grade AA and 0/0.04 million for Grade AAA. The longest loan period of the provident fund is 30 years, which is subject to the age of the husband and wife, and the age plus loan period cannot exceed 70, which is also related to the age of the building. The building age plus loan period of brick-concrete structure cannot exceed 47, and the building age plus loan period of steel-concrete structure cannot exceed 57.
Baidu encyclopedia-housing accumulation fund