Second-hand housing provident fund loan application conditions:
1. The loan applicant must establish a housing provident fund account for more than 12 months (inclusive), and at the same time pay the housing provident fund in full for more than 12 months (normal payment includes continuous monthly payment of housing provident fund, early payment and supplementary payment), and be in the state of payment when applying for a loan.
2. With the approval of the Center, employees in the deferred state can apply for loans if they have established a housing provident fund account for more than 12 months (inclusive) and paid the housing provident fund in full 12 months (inclusive).
3. The loan applicant can be a retired employee who has paid the housing provident fund during his working period.
4. Both husband and wife of the loan applicant shall not have outstanding provident fund loan records or policy discount business records.
Tip: the time conditions for establishing housing provident fund account and depositing housing provident fund should be met at the same time; Time when overdue payment fails to establish housing provident fund in advance.
Municipal management of second-hand housing provident fund process
1. Provide the information of buyers and sellers, fill in the standard application form of management center, submit the evaluation and pay the evaluation fee.
2 data submitted to the management center for examination and approval, preliminary examination.
3. After passing the preliminary examination, inform the customer to go to the management center for an interview and the management center will review it.
4. After approval, sign a guarantee contract in the provident fund management center and pay the guarantee fee.
5. After the loan is approved, notify the buyer and the seller of the transfer.
6. Apply for mortgage registration after getting the new house. See the mortgage registration acceptance form of the management center for the loan.
Information needed for municipal provident fund management
Buyer: ID card, household registration book, marriage certificate, education certificate, professional title certificate, provident fund statement, temporary residence permit for foreign household registration.
Seller: ID card, household registration book, marriage certificate and household registration book of both husband and wife.
Required expenses: appraisal fee, guarantee fee and loan service fee.
State-managed second-hand housing provident fund process
1. Provide the information of the buyer and the seller, fill in the standard application form and income certificate of the National Administrative Center (note: both husband and wife of married loan customers need to issue income certificates), report to the appraisal and pay the appraisal fee.
2. The buyer and the seller go to the bank for face-to-face signing (CCB)
3. Loan information approved by the National Management Center.
4. After approval, notify the buyer and the seller of the transfer.
5. Go through the mortgage registration after getting the new house, and lend money after seeing his right certificate.
Information required by state-owned provident fund
Buyer: (Municipal Provident Fund)
Seller: ID card, household registration book, marriage certificate and household registration book of both husband and wife.
Expenses required for the state-managed provident fund: assessment fee, guarantee fee and loan service fee. Latest interest rate table of provident fund loans.