The specific process is as follows:
(1) Consultation
When customers need to apply for housing mortgage loans when buying owner-occupied housing in cities and towns of this city, they can consult the individual housing mortgage loan business departments of all branches (departments) of the bank in detail to understand the types, loan targets and loan amount of housing mortgage loans. If you meet the issuance conditions, the bank will provide you with a mortgage application.
(1) You are an employee who has paid the housing provident fund according to the regulations, and you can apply for a personal housing provident fund loan.
(2) You can apply for a personal housing commercial loan if you buy a house that ICBC has a cooperation agreement with the selling unit to provide mortgage loans.
(two) to apply for housing loans to the loan bank.
1, providing information and proof.
When the loan bank has accepted your application for housing loan, please provide the required information and proof when handling this business. The following information will give you a comprehensive understanding.
2. Loan amount
(1) Loan amount = (sum of monthly salary base of housing provident fund calculated by the borrower, spouse and immediate family members participating in the loan amount) *35%* loan period (calculated on a monthly basis).
(2) maximum. Announced by the municipal provident fund management center at the beginning of each year. It is now set at 654.38 million yuan, which shall not exceed 80% of the cost of purchasing, building, decorating and overhauling a house.
The loan bank will determine your actual loan amount according to the above two items when handling the personal housing provident fund loan business.
(three) the loan bank to review the materials and certificates provided by the borrower.
The bank examines whether the borrower belongs to the loan object, meets the loan conditions and has sufficient ability to repay the loan principal and interest, then determines the actual loan amount and informs the lender of the loan commitment.
(4) The borrower signs a contract with the loan bank.
1. The borrower, the loan bank and the house selling unit (guarantor) sign the housing individual housing accumulation fund or commercial loan contract.
2. The borrower signs a housing mortgage contract with the loan bank.
(5) notarization of loan contract and house mortgage contract.
1. Provide notarized materials.
2 notary fees shall be borne by the lending bank (except for export houses).
(six) for real estate mortgage registration
When you receive the notarized loan contract and house mortgage contract from the notary office, you can register the real estate mortgage at the district or county real estate registration office where the house you purchased is located, and bring the following information:
1. Power of Attorney and Application for Registration of Other Rights in Real Estate sealed by the bank.
2. The loan contract and house mortgage contract notarized by the notary office.
If the real estate mortgage registration department agrees to register, it shall issue a registration certificate within ten days from the date of accepting the registration. The mortgage registration fee shall be borne by the borrower.
(seven) for the purchase of housing insurance procedures.
The bank assists you in handling insurance business, and the insurance premium is paid according to the regulations of the insurance company and borne by the borrower. When you complete the above procedures, the bank will transfer the loan to the selling unit of the house you purchased.
(8) Repaying the loan
1. Ask the loan personnel for the loan contract and the housing mortgage contract, and repay the loan principal and interest on a monthly basis before the 20th of each month from the month following the loan.
2. You can open a current savings account with ICBC and authorize ICBC to withhold and remit it, so that ICBC can deduct the loan principal and interest from your savings account on a monthly basis, which saves you the trouble of paying cash in the bank every month.
(9) Pay off the loan and cancel the mortgage registration.
After you have paid and settled all the loan principal and interest and related expenses to the loan bank, you can get the mortgage certificate with the settlement certificate issued by the bank and go through the mortgage cancellation formalities at the original real estate registration authority.
Extended data:
Several Necessary Conditions of Provident Fund Loan
1, first see if you have a provident fund account. This can be seen in the usual salary details, depending on whether the unit has sent it to you. As long as the account is paid, you can also visit the website of the local provident fund center.
2. On the premise of having a provident fund account, only those who have paid the provident fund in full for more than 6 months or accumulated 1 year before the month of applying for a loan are eligible to apply for a loan. The main purpose of this regulation is to prevent job insecurity and income instability, so as to control post-loan risks.
Therefore, if your job changes frequently, you must check whether your provident fund meets these two conditions. Of course, there are different rules in some places. For details, please consult your local provident fund center.
3. If both husband and wife have outstanding provident fund loans, they will no longer be eligible for housing provident fund loans;
4. Those who have outstanding large loans or credit stains are not eligible for housing provident fund loans;
5. The sum of the lender's age and the loan period must be less than 70 years old. For example, you are 40 years old now, and you have applied for a loan for 30 years, but the provident fund management center will not approve it;
6, before the loan, must sign a contract for the sale of commercial housing.
Baidu Encyclopedia-Detailed Process of Provident Fund Loan